system, method, server operator, and program for financial demand response delivery services

专利摘要:
a financial demand response service system with an enterprise server that manages the credit limit for each employee, an attendance management data server that manages employee attendance management data, a provider server that manages the managed accounts of the employees, and a bank server that manages the bank accounts of the employees to whom the salary is transferred that are connected through a network in which the provider server has a unit of calculation to transfer information from a managed account electronic amount of an advance to a provider temporarily providing an advance on behalf of a company based on an advance amount in which the advance amount is calculated based on the credit limit for an employee and the attendance management data, a unit of automatic billing data output that performs a proce transfer of transferring electronic value information from the advance of the managed account to the bank account, and means of output that issues, to the company server, the advance amount loaned to the employee when transferring the electronic value information of the advance to from the managed account to the bank account, where the total advance amount for employees of the same company does not exceed the company's total advance amount, as defined for the company.
公开号:BR112019013433A2
申请号:R112019013433
申请日:2017-09-27
公开日:2019-12-17
发明作者:Matsuda Yutaro
申请人:Fts Kk；
IPC主号:

专利说明:

SYSTEM, METHOD, OPERATING SERVER AND PROGRAM FOR FINANCIAL DEMAND RESPONSE SUPPLY SERVICES
Technical Field [001] The present invention relates to a system, method, operator server and program to provide financial demand response services to employees belonging to a company.
Background [002] Using a prepaid system to withdraw a fixed amount for employees who work before the payday is known. When using a prepaid system, the turnover rate of employees who are hired and work for a company can be reduced and, in addition, employees can also use the lump sum for things like unexpected expenses, the availability of employees, such as part-time workers is particularly increased.
[003] For the prepaid system provided by The Tokyo Tomin Bank Limited as part of banking services (see Non-Patent Document 1), if a company has introduced the prepaid system, employees belonging to the company can easily request the prepaid system from a cell phone, smartphone, PC or similar. So, if the prepaid system is used, the next day, the funds will be transferred to a bank account to receive the employee's salary, on the other hand, the amount of salary remaining after deducting the use of the prepaid system is transferred to the bank account.
[004] For example, Patent Document 1
Petition 870190086691, of September 4, 2019, p. 8/145
2/106 describes a prepaid payroll service to carry out the prepaid system mentioned above by a bank computer. According to the technique described in Patent Document 1, the bank computer has a processing device, a storage device and a data entry interface. Then, based on the necessary data transmitted from the employee (workers) via the data entry interface, the processing device refers to the file stored on the storage device (work data management file, payroll, fund data management file) and performs processing to transfer an amount of payable salary based on the employee's job performance to the employee's payroll account. This means that the payment of an amount does not exceed the amount of salary payable based on the performance of the work possible at any time desired by the employee. That is, the salary can be prepaid to the employee in a manner desired by the employee.
[State of the Art Documents] [Patent Documents] [005] [Patent Document 1] Patent Application
Unexamined Japanese 2004-265369 [Non-Patent Documents] [006] [Non-Patent Document 1] The Tokyo Tomin Bank, Ltd., Prepaid, [Online], The Tokyo Tomin Bank, Ltd., [11 November 2016 search], Internet <URL: http: // www. tominbank. co .jp / for_hoj in / maekyu />
Petition 870190086691, of September 4, 2019, p. 9/145
3/106
Invention Disclosure
Problem to be solved by the invention [007] However, according to the payroll prepayment service performed by the bank computer, the company incurs installation and operating costs, and the company has to prepare a deposit. In addition, a certain amount of time is required for employees to request a prepaid salary and transfer the funds to a bank account. For this reason, to perform the service to meet the financial needs of employees before the payday, such as the payroll prepayment service, the emergence of a financial demand response service that can be used in real time by employees without relying only on bank transfers is desired.
[008] The present invention was made to solve the aforementioned problems and, in order to perform the service to meet the financial needs of employees before the payday, an objective of the present invention is to provide a system, a method, a server operator and a program for a financial demand response service that can be used in real time without relying only on bank transfers on the employee's side.
Means to Solve the Problem [009] The present invention is comprised of the following composition in order to achieve the aforementioned object.
(1) A financial demand response service system to provide emergency response services.
Petition 870190086691, of September 4, 2019, p. 10/145
4/106 financial demand for employees belonging to a company, including: a company server to manage a credit limit for each employee, a service management data server to manage employee service management data, a server provider for manage managed employee accounts and a bank server to manage a bank account to which an employee's salary is transferred from the company, where the servers are connected by a network and where the provider server comprises: a unit of calculation that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information from an advance managed by a provider temporarily providing on behalf of the company based on the advanceable amount , an automatic billing data output unit that performs a transfer processing of the transfer of electronic value information from the advance of a managed account to a bank account, and an exit means that issues to the company server the amount of advance loaned to the employee when transferring the electronic value information from the advance from a managed account to a bank account, in which the total amount advanceable to employees of the same company does not exceed the company's total advance amount range for the company as defined by the supplier.
(2) The financial demand response service system according to the configuration described
Petition 870190086691, of September 4, 2019, p. 11/145
5/106 above (1), where if a total advance amount for employees within a predetermined period of the same company exceeds the total advance amount range for the company, the automatic billing output unit cancels the transfer processing of electronic value information for advances to bank accounts from managed accounts of company employees where the total amount of advances for employees exceeds the company's total advances amount range.
(3) The financial demand response service system according to one of the configurations described above (1) and (2), in which the company's advance amount range is defined based on the company's credit information with relation to a company credit, and the provider server includes a company credit management unit that manages company credit information.
(4) The financial demand response service system according to one of the configurations described above (1), (2) and (3), in which the provider server includes a utilization rate calculation unit that calculates the fee for using the financial demand response service based on the electronic value information of the advance transferred by the automatic billing output unit, and a billing unit to bill the company or the employee for using the response service. financial demand.
(5) The financial demand response service system according to one of the configurations described above (1) to (4), in which a
Petition 870190086691, of September 4, 2019, p. 12/145
6/106 employee connected via a network and operated by an employee transmits selection information to automatically or manually transfer electronic advance payment information from the managed account to the bank account, where the provider server includes an acquisition unit management service data that receives service management data, where when the service management data acquisition unit receives new service management data, the calculation unit calculates a new advanceable amount for an employee, transfers information electronic value of the advance managed by a provider providing temporarily on behalf of the company based on the new advanceable amount, and increases the electronic value information of the advance managed by the managed account, and in which if the selection information transmitted in advance from the terminal from f instruct the realization to be done automatically, when the electronic value information of the advance increases, the automatic collection data output unit increases the electronic value information of the advance from the managed account to the bank account within the increased range of the electronic value information of the advance.
(6) The financial demand response service system according to the configuration described above (5), in which the employee terminal transmits transmission information to automatically transfer the electronic advance payment information from the account managed to the bank account, information
Petition 870190086691, of September 4, 2019, p. 13/145
7/106 on whether to transfer a fixed amount or a floating amount that fluctuates at a floating rate defined by the employee in advance is also transferred to the bank account, in which case the information indicates that a fixed amount should be made, if the fixed amount is less than the increase in electronic advance payment information, the automatic billing data output unit transfers the electronic advance payment information corresponding only the fixed amount to the bank account, but if the increased electronic payment information of the advance is less than the fixed amount, the automatic billing data output unit transfers only the increased amount as electronic amount information of the advance to the bank account, and in the event that the information indicates that the transfer is to be made for a fluctuating amount that fluctuates at a fluctuating rate, the automatic charging data output unit transfers the electronic advance payment information to the bank account in the amount obtained by multiplying the increased electronic advance payment information by the floating rate.
(7) The financial demand response service system according to the configuration described above (5) or (6), in which the calculation unit calculates a new advanceable amount for the employee when the data acquisition unit attendance management system receives attendance management data.
(8) The financial demand response service system according to one of the configurations described above (5) to (7), in which
Petition 870190086691, of September 4, 2019, p. 14/145
8/106 selection transmitted in advance from the employee terminal has been selected to be performed manually, when transfer instruction information from the employee terminal is received to transfer a predetermined amount to the bank account, the data output unit automatic billing system transfers to the bank account electronic payment information of the advance corresponding to the predetermined amount in the transfer instruction information based on electronic payment information of the management account advance.
(9) The financial demand response service system according to one of the configurations described above (1) to (8), in which the provider server resets the electronic value information of the remaining advance in the managed account from the company payroll closing date, individual closing date as determined by the company, or a common closing date for all companies and has a deduction data generation unit that generates an amount corresponding to the value information electronic payment of the advance transferred to the bank account by the automatic billing data output unit as salary deduction data, and in which the company server periodically or irregularly acquires the salary deduction data from the deduction data generation unit for the bank server, and the salary calculated based on the employee's managed time, requests the execution of the transfer processing of the transfer amount minus the transfer amount
Petition 870190086691, of September 4, 2019, p. 15/145
9/106 advance payment corresponding to salary deduction data.
(10) The financial demand response service system according to one of the configurations described above (1) to (3), in which when carrying out the transfer processing to transfer the electronic value information of the managed account advance for the bank account, the automatic billing data output unit transfers electronic value information to the bank account less a transfer processing fee.
(11) A financial demand response service system according to another configuration to provide financial demand response services to employees belonging to a company comprising: a company server to manage the credit limit for each employee, a attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts, and a bank server to manage a bank account for employee card payments, where the servers are connected through a network, and in which the provider server comprises: a unit of calculation that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information from an advance managed by a provider temporarily providing on behalf of the company on the basis of the advanceable quantity, an output unit of
Petition 870190086691, of September 4, 2019, p. 16/145
10/106 automatic billing that performs the transfer process of transferring electronic value information from the advance of the managed account to the bank account, and an exit means that issues to the company server the amount of advance loaned to the employee when transferring the information. electronic value information of the advance from a managed account to a bank account, in which the total amount advanceable for employees of the same company does not exceed the company's total advance amount for the company, as defined by the provider.
(12) A financial demand response service system in accordance with another configuration to provide financial demand response services to employees belonging to a company comprising: a company server to manage the credit limit for each employee, a attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts, and an electronic money server to manage employee electronic money; where servers are connected over a network, and where the provider server comprises: a unit of calculation that calculates an advance amount for an employee based on an amount of credit limit and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the advance amount, a unit of billing data output
Petition 870190086691, of September 4, 2019, p. 17/145
11/106 automatic charging for the electronic employee electronic money information of the advance in the managed account, and an outgoing means that issues to the company server the amount of advance loaned to the employee when charging to a bank account electronic value information of the advance of a managed account, in which the total amount advanceable for the employees of the same company does not exceed the range of company total advance amount for the company as defined by the provider.
(13) A financial demand response service system according to another configuration to provide financial demand response services to employees belonging to a company comprising: a company server to manage the credit limit for each employee, a attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts, and a virtual currency server to manage employee virtual currency accounts; where the servers are connected over a network and where the provider server comprises: a unit of calculation that calculates an advance amount for an employee based on a credit limit amount and attendance management data and transfers and manages information of electronic value of an advance managed by a provider providing temporarily, on behalf of the company, based on the advance amount, an automatic billing output unit that performs a transfer transfer processing
Petition 870190086691, of September 4, 2019, p. 18/145
12/106 electronic payment advance information from a managed account to a virtual currency account, and an exit medium that issues to the company server, the advance amount loaned to the employee when transferring electronic advance payment information from a managed account to a virtual currency account, where the total amount advanceable for employees of the same company does not exceed the company's total amount advanceable amount for the company, as defined by the supplier.
(14) The financial demand response service system according to any of the configurations described above (1) to (13), in which the provider server includes an advance withdrawal unit for withdrawing advances through financing collective which includes the ability to transmit information on financial demand response service and information on providing advances to an unspecified number of people through a network.
(15) A provider server for a financial demand response service system according to another configuration to provide financial demand response services to employees belonging to a company having a company server to manage the credit limit for each employee, an attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts, and a bank server to manage a bank account to which the employee's salary is transferred from company where the servers are
Petition 870190086691, of September 4, 2019, p. 19/145
13/106 connected via a network, the provider server comprises: a calculation unit that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the advance amount, an automatic billing data output unit that performs an electronic transfer transfer of the advance information information from a managed account to an account bank and means of exit that generates for the company server, the amount of advance loaned to the employee when transferring the electronic value information of the advance from a managed account to a bank account, in which the total amount advanceable to the employees of a company the same company does not exceed the range of total advanceable company to company, as defined by the provider.
(16) A provider server for a financial demand response delivery system according to another configuration to provide financial demand response services to employees belonging to a company that has a company server to manage each employee's credit limit , an attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts, and a bank server to manage a bank account for employee card payment where employees
Petition 870190086691, of September 4, 2019, p. 20/145
14/106 servers are connected via a network, the provider server comprising: a calculation unit that calculates an advanceable amount for an employee based on an amount of credit limit and attendance management data and transfers and manages information from electronic value of an advance managed by a provider providing temporarily on behalf of the company based on the advanceable amount, an automatic billing data output unit that performs the transfer processing of the electronic information transfer of the advance from the managed account to the bank account, and an exit medium that issues to the company server, the amount of advance loaned to the employee when transferring the electronic value information of the advance from a managed account to a bank account, where the total amount advanceable to the employees of the same company does not exceed the total amount range advance from company to company as defined by the supplier.
(17) A provider server for a financial demand response delivery system according to another configuration to provide financial demand response services to employees belonging to a company that has a company server to manage the credit limit for each employee , an attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts and an electronic money server to manage employee electronic money on which employees
Petition 870190086691, of September 4, 2019, p. 21/145
15/106 servers are connected over a network, the provider server comprising: a calculation unit that calculates an advanceable amount for an employee based on a credit limit value and attendance management data and transfers and manages value information electronic payment of an advance managed by a provider temporarily supplying on behalf of the company based on the advanceable amount, an automatic billing data output unit that collects the electronic value information from the employee of the advance to the managed account, and a means of output that generates for the company server, the amount of advance loaned to the employee when charging to a bank account information of electronic value of the advance of a managed account, in which the total amount advanceable for the employees of the same company does not exceed the range of total amount advanceable from company to company, as rme defined by the provider.
(18) A provider server for a financial demand response delivery system according to another configuration to provide financial demand response services to employees belonging to a company that has a company server to manage the credit limit for each employee , an attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts and a virtual currency server to manage employee virtual currency accounts to which the servers are connected through of a network, the
Petition 870190086691, of September 4, 2019, p. 22/145
16/106 provider server comprising: a unit of calculation that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information from an advance managed by a provider temporarily providing on behalf of the company on the basis of the advance amount, an automatic billing data output unit that performs a transfer processing of the transfer of electronic value information from the advance of a managed account to a virtual currency account, and a means of output that generates to the company server the amount of advance loaned to the employee when transferring the electronic value information of the advance from a managed account to a virtual currency account, in which the total amount advanceable for the employees of the same company does not exceed the company's total advance amount range for the e company as defined by the supplier.
(19) A method for providing a financial demand response service system according to another configuration that provides financial demand response services to employees belonging to a company that has a company server that manages the credit limit for each employee, an attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts and a bank server that manages a bank account to which the employee's salary is transferred from company where the servers are connected through a network, the
Petition 870190086691, of September 4, 2019, p. 23/145
17/106 method comprising: the provider server conducting the steps of: calculating an advanceable amount for an employee based on a credit limit amount and attendance management data and transferring and managing electronic value information from an advance managed by an provider temporarily providing on behalf of the company based on the advance amount; transfer the electronic value information of the advance from the managed accounts to the bank account, and issue to the company server the amount of advance loaned to the employee when transferring the electronic value information of the advance from the managed account to the bank account, where the total advanceable amount for employees of the same company does not exceed the total advanceable amount range for the company, as defined by the provider.
(20) A provider server program according to another configuration that provides financial demand response services to employees belonging to a company having a company server that manages the credit limit for each employee, an attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts and a bank server that manages a bank account to which the employee’s salary is transferred from the company to which the servers are connected via a network; the program comprises: having a computer conducting the steps of: calculating an advance amount for an employee based on a credit limit amount and credit data
Petition 870190086691, of September 4, 2019, p. 24/145
18/106 attendance management and transfer and manage electronic value information from an advance managed by a provider temporarily providing on behalf of the company based on the advance amount, transfer the electronic value information of the advance from the managed accounts to the bank account, and send to the company server the amount of advance loaned to the employee when transferring the electronic value information of the advance from the managed account to the bank account, where the total amount advanceable for employees of the same company does not exceed the range of total advanceable amount from company to company as defined by the supplier.
Advantages of the Invention
[0010] According to the invention, is possible to provide one system, method, server the feet rador, and program for supply service answer in demand financial that can be used in time real without to depend bank transfers only of side of
employee.
Brief Description of the Drawings [0011] Figure 1 is a conceptual diagram that focuses on data flow in a business model that implements the financial demand response service method of the present invention.
[0012] Figure 2 is a sequence diagram of a financial demand response service system.
[0013] Figure 3 is a system configuration diagram of a service supply system.
Petition 870190086691, of September 4, 2019, p. 25/145
19/106 financial demand response.
[0014] Figure 4 is a conceptual diagram focused on the flow of electronic value information transfer in the business model of the financial demand response service system.
[0015] Figure 5 is a block diagram showing the configuration of a server providing the financial demand response service system.
[0016] Figure 6 is a schematic diagram for describing a data structure stored in a storage unit and a data structure to be transmitted and received in the financial demand response service system.
[0017] Figure 7 is a flowchart showing the processing operation of the provider server.
[0018] Figure 8 is a flow chart showing the financial demand response tabulation process of a provider server.
[0019] Figure 9 is a screen transition diagram for an employee terminal.
[0020] A Figure 10 (a) is a diagram that shows one example of a configuration in home screen. (b) is an figure showing An example in a screen change in
collection.
[0021] Figure 11 is a sequence diagram of a financial demand response service system.
[0022] Figure 12 is a diagram of an employee terminal change screen.
[0023] Figure 13 is a configuration diagram of
Petition 870190086691, of September 4, 2019, p. 26/145
10/206 system of a financial demand response service provision system.
[0024] Figure 14 is a system configuration diagram of a financial demand response service system.
[0025] Figure 15 is a system configuration diagram of a financial demand response service system.
[0026] Figure 16 is a system configuration diagram of a financial demand response service system.
[0027] Figure 17 is a system configuration diagram of a financial demand response service system.
[0028] Figure 18 is a system configuration diagram of a financial demand response service system.
[0029] Figure 19 is a diagram showing the relationship between the closing dates of a financial demand response service system.
[0030] Figure 20 is a conceptual diagram showing the relationship between a company and a service provider of the financial demand response service system.
[0031] Figure 21 is a diagram to explain the configuration of a company limit amount of a financial demand response service system.
[0032] Figure 22 is a diagram to show a company management screen for a service system
Petition 870190086691, of September 4, 2019, p. 27/145
21/106 of providing financial demand response.
[0033] Figure 23 is a diagram to which you refer to describe a business model to carry out a method to provide a financial demand response service.
[0034] Figure 24 is a system configuration diagram of a financial demand response service system.
[0035] Figure 25 is a sequence diagram of a financial demand response service system.
[0036] Figure 26 is a block diagram showing a configuration of a provider server.
[0037] Figure 27 is a diagram showing an example of the data structure of a storage unit.
[0038] Figure 28 is a flowchart showing the processing operation of the provider server.
[0039] Figure 29 is a screen transition diagram for the employee terminal.
[0040] Figure 30 is a diagram showing an example of a screen configuration for a home screen and a charge change screen.
[0041] Figure 31 is a diagram cited to explain an application that can be used by an employee in a financial demand response service system.
Mode of Carrying Out the Invention [0042] Hereinafter, with reference to the accompanying drawings, a first modality and a second modality
Petition 870190086691, of September 4, 2019, p. 28/145
22/106 (both of which refer to embodiments of the present invention) will be described in detail. The same elements are indicated by the same reference numbers or symbols throughout the descriptions of the first and second modalities.
(Common configurations in the first and second modes) [0043] As shown in Figure 1, the financial demand response service system 100 (see Figure 4) is a system for a financial demand response service for one or more employees 4 belonging to a company 1.
[0044] As shown in Figure 4, a company 10 server that manages an actual advance amount (s) for an employee (s) 4 and a credit limit amount for employee (s) 4, an attendance management data server 11 that manages employee attendance management data 4, and a provider server 20 that manages a managed account (s) 30a of electronic value information for the employee (s) (s) 4 are connected via a network 60 (see Figure 1).
[0045] The provider server 20 has an advance payment amount unit that calculates an advance payment amount for an employee 4 based on a credit limit amount managed by the company server 10 and the attendance management data managed by the payment server. attendance management data 11, a transfer processing medium that transfers information based on the amount of advance borrowed
Petition 870190086691, of September 4, 2019, p. 29/145
23/106 to employee 4 for managed account 30a within the range of the advance amount of electronic value information for managed account 30a, and an outgoing unit that generates for the company server 10 the amount of advance loaned to employee 4.
[0046] Company server 10 reflects the down payment amount from the provider server 20 in the actual down payment amount and calculates the credit limit amount based on the actual down payment amount.
[0047] In addition, preferably, the provider server 20 also includes a company credit management unit that manages company credit information based on company credit 1. In this case, the unit for calculating the amount in advance calculates , preferably, the amount advanceable based on company credit information.
[0048] In addition, the provider server 20 preferably includes a utilization fee calculation unit to calculate a utilization fee for the financial demand response provision service based on the electronic value information transferred by a payment processing means. transfer and a billing unit to bill the usage fee for company 1 or employee 4.
(First Mode Configuration) [0049] As shown in Figure 1, this business model is carried out through an employer company 1, a service provider 2, employee (s) belonging to company 1, and a bank 5. In Then, the service provider 2 calculates the advance amount for an employee 4 with
Petition 870190086691, of September 4, 2019, p. 30/145
10/24 based on employee management assistance data 4 transmitted from company 1, and performs a transfer processing to transfer electronic value information from an advance loan from an advance fund 30b to an employee managed account 30a 4 within the range of the calculated advance amount.
[0050] Here, managed account refers to a fictional managed account 30a for an employee 4 managed by service provider 2, and is, for example, an account for managing electronic value information.
[0051] The processing of transfer of electronic value information of the advance refers to a process of collecting (increasing) the advance to the managed account 30a within the range of the advanceable amount.
[0052] In order to carry out the above business model, it is assumed that company 1 has an employment contract with employee (s) 4, and that employee (s) 4 is (are) assumed (s) as having requested the financial demand response service with the service provider 2.
[0053] In addition, service provider 2 is assumed to be managing the managed account (s) 30a and the employee advance loan (s) 30b 4, and it is assumed that company 1 has entered into a payroll transfer agreement with a bank 5 for payroll transfers to one or more bank accounts 50a after subtracting the advance based on the usage record.
[0054] Note that in this case, it is assumed that the
Petition 870190086691, of September 4, 2019, p. 1/31
10/256 service provider 2 manages managed accounts 30a and down payment (s) 30b, but down payment (s) 30b is also assumed to be managed by bank 5 (down payment ( s) 50b). In addition, company 1 is presumed to have obtained personal information licenses from employee (s) 4 and has obtained a contract to use this template
of business how provider services 2 that provides the advance and bank 5. [0055] Beyond addition, if the company 1 go to bankruptcy, employees) should (s) to receive several funds from
safe. Therefore, a contract can be concluded in the sense that this insurance money can be used to satisfy any deficits with the advance to the employee (s) 4.
(Attendance Management Data Flow) [0056] First, an employee 4 does some work for company 1 based on the employment contract (step a).
[0057] Then, company 1 transmits the attendance management data from employee 4 to service provider 2 that provides the service of providing financial demand response (step b).
[0058] Then, service provider 2 calculates an advance amount for employee 4 based on attendance management data or the advance amount range.
[0059] Here, at the time the calculated advance amount increases (automatic charge to be described later) or at any time designated by employee 4 (manual charge to be described
Petition 870190086691, of September 4, 2019, p. 32/145
26/106 thereafter), electronic value information for an advance 30b is transferred to managed account 30a managed for employee 4 (hereinafter referred to as an advance fee) (step c). As a result, the prepayment is stored in managed account 30a.
[0060] The amount of prepayment that remains in the managed account 30a unused is reset (subtracted) on a predetermined date, for example, at the end of each month. Then, company 1 purchases from the service provider 2 the amount of wage deduction created based on the results of employee using the advance 4 (step d); company 1 asks bank 5 to transfer to bank account 50a of employee 4 the amount of salary minus the amount of advance already advanced (step e); and bank 5 performs a transfer process based on the request.
[0061] Employee 4 enters the user ID (a user ID can be recorded on a card) and the password provided by service provider 2 on an employee 40 terminal owned by employee 4 to use the advance. The user ID and managed account 30a are linked by identifying information, such as an employee number. Managed account 30a is assigned to an employee 4 who belongs to company 1 and is managed by service provider 2. By being linked by identifying information, such as an employee number, the remaining balance can be managed based on the usage record advance payment.
[0062] The functions of the company server 10, the attendance management data server 11 and the
Petition 870190086691, of September 4, 2019, p. 33/145
10/27 provider server 20 in the supply service system
Give me an answer in financial demand will be described with reference to Figure 2. The service system in supply Give me an answer in financial demand includes one server in company 10, one data server management in attendance 11 and a provider server 20. [0063] 0 company server 10 is one server what
manipulates employee 4 information (s). Although this modality is described as a so-called computer server, any employee 4 information management system is applicable, including, for example, handwritten terminals and documents.
[0064] Employee information 4 includes a company ID, an employee ID, a card ID or the like that will be described later.
[0065] The company server 10 sends the employee information as employee information (registered) to the provider server 20 (step S01).
[0066] The provider server 20 sends the advance amount for each employee 4 to the company server 10 as advance usage information (step S02).
[0067] If the information of an employee 4 belonging to company 1 is updated or deleted, the server of company 10 sends the employee information (update, deletion) as employee information to the provider server 20 (step S03).
[0068] The provider server 20 sends, for example, a monthly accounting charge for monthly use of the financial demand response service for the
Petition 870190086691, of September 4, 2019, p. 34/145
28/106 company server 10 (step S04). Monthly accounting includes, for example, the sum of the advance payment amount for employee 4 and the fee for using the financial demand response service.
[0069] 0 server of company 10 manages the limit of use for the fun cionário 4. The limit value in credit is determined through the company 1 and, for example, O value of
Credit limit can be increased or decreased based on the state of work of company 1 or the state of use (for example, amount of advance) of the financial demand response service. Company server 10 sends the credit limit amount as a defined individual employee limit to provider server 20 (step S05).
[0070] The provider server 20 manages company credit information related to the credit of a company (companies) 1. In this way, an advance amount can be determined for each company. Examples of credit for a company may include capital, number of employees, asset information, financial information, use of the financial demand response service and continued use of the financial demand response service. Based on these, service provider 2 makes its own determination of a company's credit.
[0071] In addition, service provider 2 that manages the provider server 20 can obtain advances 30b through a crowdfunding process that includes sending information about the financial demand response service and
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29/106 information about the advance for an unspecified number of people through the network 60. In this case, the company's credit information may also preferably include 30b advances that were obtained through crowdfunding.
[0072] The provider server 20 sends the company's credit information as the usage limit for each company to the company server 10 (step S06).
[0073] The provider server 20 can manage usage limits for each company; the same predetermined usage limit can be set for multiple companies, and they can be managed; and the plurality of companies, for some of the plurality of companies, the same predetermined usage limit can be managed, and for another of the plurality of companies, the usage limit can be managed for each company.
[0074] The attendance management data server 11 is a server that handles employee attendance management data. In this modality, although a so-called computer server is described, any modality is applicable to the present invention as long as it deals with employee service management data and includes, for example, a terminal or a handwritten document.
[0075] The employee attendance management data includes the company ID, employee ID (s), days worked, hours worked etc., which will be described later and shared in a predetermined format.
[0076] The data management server
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10/306 attendance 11 sends an employee's attendance management data to the provider server 20 (step S07). The sending time (frequency of sharing) from the attendance management data server 11 to the provider server 20 is not particularly limited and can be, for example, every day, once a week or on a specific day of the week.
[0077] As shown in Figure 3, a company 1 has a company server 10, service provider 2 has a server provider 20 and an employee 4 has an employee terminal 40.
[0078] Employee 4 operates employee terminal 40; then, when the financial demand response service service system 100 is used for the provider server 20 (flow fOl), the amount of the advance that is stored in managed account 30a is transferred to bank account 50a of employee 4; and this is displayed on employee terminal 40. So the
employee 4 is able to receive money. [0079] In this moment, the provider services 2 collects, from the collection of advance, a fee of employee 4 for use the system of service in
providing financial demand response 100. In other words, employee 4 pays service provider 2 a usage fee (flow f02). Payment of the usage fee is made by the provider server 20 by transferring the advance minus the usage fee to bank account 50a of employee 4, and displaying the opening in employee terminal 40. Therefore, the amount that employee 4 is able to receive is the value obtained
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10/31 subtracting the utilization fee for advance payment.
[0080] Service provider 2 invoices company 1 based on the billing data created based on the employee's use of the advance payment collection (flow f04) and company 1 pays the advance 30b based on the billing data (flow f03).
[0081] Company 1 deducts from employee's salary the amount 4 used based on the use of the advance on the closing date of an employee's payment and pays employee 4 (flow f05).
(System Configuration) [0082] As shown in Figure 4, the financial demand response provisioning service system 100 comprises a data management data server
attendance 11 what manages data management in attendance in one employee at company, a server provider 20 what manage the account managed 30a for O employee 4 and the advance Borrowed 30b to
employee 4, as well as providing the financial demand response service for using advance 30b, a bank server 50 that manages bank account 50a for employee 4 and an employee terminal 40 owned by employee 4, these servers are connected via a network 60, such as an IP (Internet Protocol) network. In addition, company 1 also has a company 10 server, which manages employee 4 data from company 1, for processing payroll accounting and, similar to the attendance management data server 11
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32/106 described above, is connected to network 60.
[0083] Note that company server 10, attendance management data server 11, provider server 20 and bank server 50 include the entire computer system managed and operated by each of company 1, the provider service provider 2 and bank 5. In addition, employee terminal 40 refers to a terminal such as a mobile phone, smartphone, PC (Personal Computer), etc., owned by employee 4 and all of whom are able to connect to network 60.
[0084] Note that the financial demand response service delivery system 100 can also realize the business model described above using a card company's network payment card (not shown), which is different from one network 60 as an IP network. That is, the destination for processing the transfer of electronic value information from the advance can be a managed account for payment by the card company.
[0085] In this case, employee 4 can make purchases at a member location and deposit / withdraw money from a partner ATM (automatic teller machine) using the card held. In addition, if the card is a debit card with a credit card number, the card can be used for online purchases.
[0086] Alternatively, a virtual currency such as bitcoin, Apple Pay or a bank transfer can be used to carry out the above business model.
[0087] In recent years, in order to facilitate card settlement, card terminals for
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33/106 card settlements have been standardized and, for credit payments, standard specifications such as EMV (EuroPay International, MasterCard International and Visa International; trademarks) and domestic applications are being used, while banks have established the specifications of the Federation of Bankers. As an example of a standard specification, a general purpose payment network system, such as CAFIS (Credit and Finance Information System: trademark), is widely used in national payment card management companies, distribution companies and third parties, such as financial institutions (settlement companies), affiliated stores, etc., are connected online and
payments are made using a card as a card of credit or a card Of money. [0088] Beyond addition, to differentiate other companies, one network payment brands Can be
established for each payment card operator instead of a general purpose payment network based on a strategy to collect payment cards with an exclusive service by the payment card operator. For example, JCN (Japan Card Network; trademark) in the case of JCB (JCB; trademark), or VisaNet (Visa Net; trademark) in the case of VISA (Visa International; trademark), and these payment networks are used as payment networks to replace CAFIS.
(Block diagram) [0089] As shown in Figure 5, there is a communication unit 21, a processing unit 22 and a storage unit 23 on the provider server 20
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34/106 that are commonly connected via a bidirectional input / output bus 24 composed of a plurality of lines for addresses, data and control.
[0090] The communication unit 21 is a LSI communication (Large Scale Integration) that carries a communication interface between the network 60 and the provider server 20 (processing unit 22) and, for example, the file transfer linked by API (Application Program Interface) is executed between company server 10 connected to network 60 by TCP / IP (Transmission Control Protocol / Internet Protocol).
[0091] Processing unit 22 calculates the advance amount for employee 4 based on employee attendance management data sent from company server 10 and performs transfer processing to transfer electronic advance payment information within the range of the advanceable amount calculated for managed account 30a for employee 4 according to the program of this modality, for example, which is installed on a microprocessor that is mounted or installed in the program area on storage unit 23 (not shown) ), and this is done in cooperation with the communication unit 21 and the storage unit 23.
[0092] For processing unit 22 to calculate the advance amount for employee 4 based on employee 4 attendance management data sent from attendance management data server 11 and transfer the advance that is within the amount range amount calculated as
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35/106 electronic value for employee account managed account 30a 4, a customer service data acquisition unit (time) 221, a calculation unit 222, an automatic billing data output unit 223, and a unit of payment deduction data generation 224 are provided as a means of program execution.
[0093] Attendance management data acquisition unit 221 acquires attendance management data from target employee 4 from attendance management data server 11 through communication unit 21.
[0094] Automatic billing data output unit 223 performs transfer processing
for transfer the valuable information electronic of advance. [0095] A data generation unit deduction 224 generates the amount used by the employee as data in
deduction of salary from the electronic value information of the advance already transferred.
[0096] The storage unit 23 is mounted with, for example, a semiconductor storage element such as SRAM (Static Random Access Memory), DRAM (Dynamic Random Access Memory), flash RAM, or a large storage element capacity as one with light or magnets and in the mode described above in addition to the programs, employee data 231, payroll table 232, automatic billing data 233, billing data 233 an attendance management data 234, table company data 235 and transfer data 236 are also stored in the work area.
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36/106 [0097] As shown in Figure 6, employee data 231 has as data items at least one company ID that is uniquely assigned to each company 1 that has entered into a contract to use this business model, and in which company 1 entered into employment contracts, an employee ID assigned exclusively to each employee 4 who requested the use of this business model in advance, and a manual or automatic assignment
that indicates whether to transfer at information of value electronic of the advance 30b automatically or manually. [0098] The sheet table in payment 232 is entry
and transferred by a company representative based on the employment contract (s) and has at least the company ID, employee ID, hourly or daily rate and salary amount as data items.
[0099] Automatic billing data 233 is generated by processing unit 22 (automatic billing data output unit 223 or deduction data generation unit 224), and has at least the employee ID, the transfer amount fixed and floating percentage of transfer as data items.
[00100] Billing data 233a has at least one card ID, manual or automatic and a billing amount as data items.
[00101] Attendance management data 234 has at least company ID, employee ID, working day (s) and working hours as data items, which are entered and transferred by a
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37/106 company representative.
[00102] The company table 235 has a company ID (identification) identifying the company and a withdrawal limit of one month as data items.
[00103] Transfer data 236 is information needed to make transfers to an employee's bank account 50a 4 and includes bank code, branch number, account number and transfer amount as data items.
[00104] The card ID (237) has at least fixed transfer amount and floating transfer amount as data items.
[00105] Employee data 231, payroll table 232, automatic billing data 233, charge data 233 an attendance management data 234, company table 235, transfer data 236 and card ID (237) they are all created in a CSV format for download. In addition, employee data 231, payroll table 232, automatic billing data 233 and attendance management data 234 are linked by company ID and employee ID.
(Modality Operation) [00106] First, how employees choose an advance method will be explained and then how to handle the processing of financial demand will be explained; after that, the financial demand response tabulation method will be explained.
(How to Choose the Advance Method) [00107] First, using employee terminal 40, employee 4 selects Change Payment Method
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38/106
Advance from the screens shown in Figures 9 and 10 (a); then, from the screen shown in Figure 10 (b), transmit the selection information in advance indicating that the transfer of electronic advance payment information must be carried out automatically or manually. In addition, if the selection information indicates that the transfer should be made automatically, employee 4 uses employee terminal 40 to send additional information to instruct whether to increase the transfer processing amount as a fixed amount determined in advance, or to indicate that the amount fluctuates based on the predetermined rate fluctuation.
[00108] As a result, the provider server 20 purchases the manual or automatic item in relation to employee data 231, and the items of fixed transfer amount and floating percentage for automatic billing data 233 are included.
(How to Handle Financial Demand Processing) [00109] The processing operation for provider server 20 will be described below with reference to Figures 7 and 8.
[00110] How to deal with the processing of financial demand will be explained. The financial demand treatment process method generally calculates the advanceable amount based on an employee's attendance management data 4 received regularly (every day, etc.). The calculated advance amount is managed by managed account 30a. If an employee 4 defined the billing setting in advance
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39/106 automatic, when there is an increase in the advance amount, a predetermined amount within the range of the advance amount is transferred to the employee's bank account 50a 4. Details will be described below.
[00111] On the provider server 20, first, processing unit 22 introduces and imports payroll table 232 in CSV format generated by company server 10 (step S101).
[00112] Subsequently, when the attendance management data acquisition unit 221 fetches attendance management data 234 in CSV format by transferring files from the attendance management data server 11 through communication unit 21 (SIM in step S102), calculation unit 222 calculates the advance amount (step S103).
[00113] The advance amount that calculation unit 222 calculates refers to storage unit 23 at the time that attendance management data 234 is received from attendance management data server 11, and the advance amount is calculated based on wage (hourly wage / daily wage) per predetermined unit of time stored in payroll table 232 and hours worked according to employee service management data 234 4. Value information account corresponding to the calculated advance amount is managed by employee account 30a managed 4.
[00114] As an example of the advance amount, after completing 8 hours of work with a pay rate of 1,000 JPY per hour, and the advance rate
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40/106 established at 70%, earnings earned will be 80,000 JPY and the advance amount will be 56,000 JPY.
[00115] Note that if calculation unit 222 received selection information indicating that the transfer of electronic amount information should be performed automatically beforehand (automatic collection) from work terminal 40, calculation unit 222 also performs processing to reset the unused advance amount as of the payroll date, and in addition, deduction data generation unit 224 performs calculation processing to generate the amount used by employee 4 of the advance charge amount as data deduction.
[00116] If the automatic billing data output unit 223 has received selection information indicating that the transfer of electronic amount information should be performed automatically (automatic billing) in advance from the employee terminal 40 instructing, that is, when the Selection information is selected to be executed automatically (automatic in step S104), while electronic amount information of the advance amount managed by employee account managed 30a at the time the advance amount increases (YES in step S105), the automatic billing data output unit 223 transfers electronic value information corresponding to the predetermined advanceable amount increase from employee 4's managed account 30a to bank account 50a.
[00117] If the automatic charging data output unit 223 indicates that the increase information should be
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41/106 fixed (fixed in step S107), the predetermined advance amount increase is fixed if the fixed amount is less than the advance amount increase, and if the increase is less than the fixed amount, the increase is taken (step S108).
[00118] As a result, a fixed amount of the increased advance amount can be transferred to bank account 50a.
[00119] In addition, if the data output unit
billing automatic 223 instruct what the information in increase is floating (floating at step S107), O increment of amount advanceable predetermined is an
amount obtained by multiplying the amount of increase by the floating rate. (Step S109).
[00120] As a result, because an amount multiplied by a fixed percentage of the increased advance amount can be transferred to bank account 50a, a large amount based on the amount of work is transferred to the employee.
[00121] The predetermined advance amount increment obtained in this way is stored in a predetermined area (automatic billing data 233) of the storage unit 23 and the transfer (advance payment) of the electronic advance payment information is performed (step S110 ).
[00122] On the other hand, if the selection information was received in advance from employee terminal 40 to manually transfer (manual collection) the electronic value information of the advance (manual in step S104), then from the electronic value information of the
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42/106 advanceable amount as managed by employee 4's managed account 30a at the time when the transfer instruction is given from employee terminal 40 (YES in step S106), a transfer process for transferring electronic value information corresponding to the prescribed amount in the transfer instruction information from employee 4's managed account 30a to employee 4's bank account 50a is performed (step S110).
[00123] Instructions for transferring employee terminal 40 are carried out by transmitting transfer instruction information to instruct the transfer of a predetermined amount from the employee terminal.
[00124] For this reason, an advance can to be performed on moment the based in own intention of employee 4 • [00125] Beyond addition, if the total information in electronic value subject to a processing in transfer inside of a per predetermined iodine (per example, a period month) exceed information in
electronic value corresponding to a predefined withdrawal limit, then the automatic charging data output unit 223 can cancel the transfer process.
(Financial Demand Response Tabulation Process Method) [00126] Next, the financial demand response tabulation process method will be explained.
[00127] As shown in Figure 8, when the salary closing date arrives (YES in step S201), the
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43/106 provider server 20 (calculation unit 222) performs the calculation of a fee collection process (details to be described later) and a process of redefining the electronic value information of the transferred advance that had not been used by the date payroll closing process (step S202).
[00128] Each time the automatic collection data output unit 223 performs transfer processing, the calculation of the fee collection process is performed by converting the transfer processing transfer targets into the electronic value information obtained by subtracting the information of electronic value corresponding to the transfer processing fee of the corresponding electronic value information, instead of the corresponding electronic value information.
[00129] Subsequently, the deduction data generation unit 224 generates the amount used by employee 4 as obtained from calculation unit 222 as salary deduction data (step S203).
[00130] That is, the deduction data generation unit 224 generates, from the electronic value information of the advance transferred in CSV format, the amount used by the employee as the salary deduction data.
[00131] Then, the company server 10 acquires salary deduction data (CSV) generated by the deduction data generation unit 224 from the provider server 20 (deduction data generation unit 224) when downloading periodically (for example , end of month) or
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44/106 irregularly (employee busy period or out of season) the deduction data, and requests the execution of the transfer processing to bank account 50a of employee 4 of the transfer amount minus the advance used to the bank server 50.
(Employee Terminal Screen Transition Diagram) [00132] As shown in Figure 9, on the LCD (Liquid Crystal Display) monitor of an employee terminal 40, a login screen, a home screen and a logout screen are displayed. From the initial screen, an example of the screen configuration is shown in Figure 10A, transitions between the advance application screen, advance method change screen, whose screen configuration is shown in Figure 10B as an example, and the advance history are possible.
[00133] As shown in Figure 10A, on the Home screen, in addition to the available amount of advance payment, buttons for applying the advance payment, changing the advance payment method, usage declaration, and account management are provided, and when an employee 4 selects (taps ) one of these buttons, the advance application screen, advance method change screen, display of the usage declaration, and account management, which are services corresponding to the respective buttons, are executed.
[00134] In addition, as shown in Figure 9 and Figure 10B, in the advance method change screen, an option button was assigned to switch between automatic (automatic) and manual advance
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45/106 (manual). By employee 4 operating employee terminal 40 at the first login and making one valid and pressing the continue button, as the advance amount increases, changing the selection information that instructs an automatic or manual transfer of electronic value information advance is possible. Here, when automatic prepayment is selected, the fixed and floating option buttons become selectable and, depending on the option button selected, the entry fields for fixed down payment amount or floating down payment rate can also be entered.
[00135] When employee 4 enters a predetermined number in the entry field and presses the determination button, the screen changes to a down payment method change completion screen (not shown), and the down payment method change is completed .
[00136] Then, when employee 4 confirms (a tap on the OK button that is not shown), the prepayment completion screen is displayed.
[00137] The fixed down payment amount is to transfer the amount of the increased down payment amount (the predetermined amount of down payment increase), which is entered in the fixed down payment amount field. That is, when the fixed advance amount is less than the increase amount of the advance amount, the fixed advance amount is transferred to bank account 50a and if the amount of increase in the advance amount is less than the fixed advance amount, the amount of increase in the amount of
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46/106 advance payment is transferred to bank account 50a.
[00138] Note that if the down payment application screen is selected in Figure 9, when the down payment permission frame is displayed on the LCD monitor of employee terminal 40 and employee 4 enters an advance payment amount within the allowance, the screen changes to the previous confirmation screen (not shown). Then, employee 4 confirms (a tap on the OK button that is not shown), and the down payment completion screen is displayed.
[00139] In addition, on the account management screen, a list of accounts is displayed, such as registered bank accounts, and if the account registration screen is selected, employee 4 will need to enter the bank name and the branch and number account via employee terminal 40. When these required items are entered, the screen changes to the account registration confirmation screen and changes to the account registration completion screen when confirmed by employee 4.
[00140] When the provider server 20 receives the attendance management data from an employee 4 from the attendance management data server 11 and receives the predetermined unit time wage as defined in the employee's employment contract (conditions of employment) 4, the anticipated amount can be calculated based on the actual hours of work based on the employee's attendance management data 4 and a processing of transferring the electronic value information of the advance can be performed. Note that when calculating the advance amount, if the hourly rate is not
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47/106 specified in the conditions of employment, a standard can be considered in which the monthly salary amount is divided by the day and increases with the time and date, or a standard with a fixed amount, for example, in which up to 100,000 yen can be used as the amount to be advanced when working half a month.
[00141] If the provider server 20 has received selection information in advance to automatically transfer the electronic value information from the work terminal 40 (automatic collection), then the process of transferring electronic value information from the advance can be carried out in the moment when the advance amount increases. On the other hand, if the selection information for manually transferring the electronic value information of the advance has been received in advance from employee terminal 40 (manual collection), processing of electronic value information transfer of the advance can be performed at the time when that there is a transfer instruction from employee terminal 40.
[00142] If automatic billing has been selected, the provider server 20 resets the value of the electronic amount information for the transferred advance that was not used on the payroll day (the end of each month), and the amount used can be generated as salary deduction data. The company server 10 is obtained by downloading the salary deduction data generated by the provider server 20, and after deducting the amount of advance payment, it performs the transfer processing for
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48/106 the bank server 50 of the amount minus the down payment amount to employee 4 bank account 50a [00143] The use of the down payment advance amount is managed by entering check information when employee 4 logs in on the provider server 20. That is, if the provider server 20 has received the selection information from employee terminal 40 in advance instructing that the transfer of electronic advance payment information is done automatically, then a transfer processing is performed to transfer the information electronic amount of the advance at the time the advance amount is increased by a predetermined amount. On the other hand, if the selection information that was received from employee terminal 40 instructs in advance that the transfer of electronic advance payment information is done manually, then the moment a transfer instruction is given by employee terminal 40, transfer processing is
performed to transfer The informations of value electronic advance. (When They involve several Companies) [00144] As shown in Figure 11, the service in supply response financial demand also is
capable of responding to employees 4 who belong to a plurality of companies 1. This means that an employee 4 who uses the financial demand response service can receive advances from a plurality of companies using the service response service financial demand. When an employee 4
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49/106 requests an advance, employee 4 can select any company for which the automatic billing advance is available.
[00145] Service provider 2 can issue a service account providing financial demand response for each company. The account is preferably managed by an account ID or a card ID provided on the issued card. When issuing an account to the employee, a company ID issued to the company can also be associated. The method of associating the employee with the company can be carried out automatically, manually or in combination.
[00146] Hereafter, an employee 4 belonging to Company A having the company server 10a and the attendance management data server 11a, and Company B having the company server 10b and the attendance management data server 11b will be described in detail.
[00147] Firstly, employee 4 applies to service provider 2 to provide financial demand response service to Company A and to provide financial demand response service to Company B.
[00148] Service provider 2 exchanges employee information (registration, update, deletion), usage limit and time information between provider server 20 and company server 10a and the company's attendance management data server 11a A. Likewise, service provider 2 exchanges employee information (registration, update, deletion),
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50/106 usage and time between provider server 20 and company server 10b and attendance management data server 11b from Company B.
(How to Choose the Advance Method) [00149] Employee 4 operates employee terminal 40, and the financial demand response delivery service system 100 can be used to access provider server 20 on the operation screen as shown in Figure 12.
[00150] At this time, employee 4 can receive an advance requesting an advance by selecting which company the advance should be used for.
[00151] Figure 12 shows an operation screen. Employee 4 can select the company from which the advance will be received by operating the operation screen. A standard company setup function previously selected by employee 4 for the down payment can
appear at next turn that screen operation for started. [00152] Beyond of this, with based on criteria in evaluation of system offer service of supply
financial demand response system, the financial demand response service delivery system can select a company from which to receive the advance without allowing employee 4 to make the selection.
[00153] In addition, depending on the evaluation of the financial demand response service, the amount of advance applied can be divided and received from several companies. If the advance is split, the response delivery service system
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51/106 of financial demand can use its own specific system base, such as egalitarian division or slope distribution division.
(Fee Collection Process) [00154] A fee collection processing method for when an employee 4 uses the financial demand response service system with a card (the use of the card will be described in detail in the second modality ) will be described using Figure 13.
[00155] When an employee 4 uses employee terminal 40 and the card (flow f07, f08) to perform a procedure to receive a predetermined amount of advance payment (advance payment of salary) (flow fOl), the advance amount is increased by advance available. The provider server 20 collects a fee as a system usage fee from the amount of card usage (flow f02).
[00156] The provider server 20 calculates the amount of the down payment for employee 4 on the closing date, and service provider 2 invoices company 1 based on the down payment (billing data) created based on the results of using the charge collection. advance by employee 4 (flow f04), and company 1 pays the amount of advance (flow f03).
[00157] Company 1 pays employee 4 deducting from the salary the amount used by employee 4 based on the use of advance payment on the closing date of the employee's salary (flow f05).
[00158] That is, when an employee 4 uses the advance payment system and receives a salary advance,
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52/106 a fee is charged and the remaining amount is transferred to the employee's bank account; then company 1 deducts employee 4's card usage amount from salary and pays employee 4. Preferably, data on salary deduction can be downloaded from the financial demand response service system.
[00159] Using Figure 14, another fee collection processing method for when an employee 4 uses the financial demand response service system will be described.
[00160] When an employee 4 performs a procedure to receive a predetermined advance amount (advance payment application amount) using employee terminal 40 (flow fll), the provider server 20 loads the card with the advance amount (flow fl2), and the advance amount is increased by the advance amount.
[00161] When employee 4 uses the card (flow fl3), and the amount of use of the card (purchase amount) and the rate of use of the card are subtracted from the balance of the card (advance amount) (flow fl4).
[00162] The provider server 20 totals the amount of advance loaned to employee 4 on the closing date; service provider 2 invoices company 1 based on billing data created based on employee usage history of advance fees 4 (flow fl5); and company 1 pays an advance 30b based on the billing data.
[00163] Company 1 deducts the advance amount on the closing date of employee 4 from the salary and pays the
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53/106 employee 4 (fl6).
[00164] That is, when employee 4 uses the financial demand response service system, the provider server 20 charges the card the amount requested to be advanced by employee 4 (total charge in relation to the entry amount), and the advance amount is increased. However, each time employee 4 uses the card, the provider server 20 charges a fee from the charge of the card (reduces the advance amount). Therefore, user 4 cannot use the entire advance amount of the card charge (advance amount). Please note that although a fee is charged each time a card is charged, the number of times the collection can be limited. Specifically, for example, the collection can only occur the first time after the expiration of the payment day (or closing date), or the collection can only occur after three or more uses; depending on the number of uses, the amount to be collected can be changed (increase or decrease each time it is used).
[00165] Another method of processing fee collection for when an employee 4 uses the financial demand response service system
will be described using the Figure 15.[00166] When one employee 4 performs a procedure To receive an amount advance predetermined (amount of the application payment
advance) using employee terminal 40 (flow f21), the provider server 20 charges the amount obtained by subtracting the fee from the advance amount on the card
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54/106 (flow f22).
[00167] When employee 4 uses the card, the card usage amount (purchase amount) is subtracted from the card balance (advance amount).
[00168] The provider server 20 totals the amount of advance loaned to employee 4 on the closing date, and service provider 2 invoices company 1 the amount of advance created based on the results of the use of advance payment by employee 4 ( flow f23).
[00169] Company 1 deducts the advance amount from the closing date of employee 4 from the salary and pays employee 4 (flow f24).
[00170] That is, when employee 4 uses the financial demand response service system, the card receives the amount of the advance minus the fee, (the total amount of the advance is not charged). Therefore, no fee will be charged to the card fee (advance amount) each time the card is used.
[00171] Note that although the amount of the advance has been reduced by the fee, it has been explained as being charged, the card must contain the amount of the charge and the amount available, and the charge on the card can be increased by the total amount and the fee can be subtracted from the advance amount.
[00172] Another method of processing fee collection for when an employee 4 uses the financial demand response service system will be described using Figure 16.
[00173] When an employee 4 performs a
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55/106 procedure for receiving a predetermined advance amount (advance payment application amount) using employee terminal 40 (flow f31), the provider server 20 charges the advance amount to the card (flow f32).
[00174] When employee 4 uses the card, the use of the card (purchase amount) is subtracted from the card balance (advance amount).
[00175] The provider server 20 totals the amount of advance loaned to employee 4 on the closing date; service provider 2 invoices company 1 based on the amount of advance created based on the actual amount of advance use by employee 4, as well as a usage fee for employee card usage 4 (flow f33), and the company 1 pays bill.
[00176] Company 1 then pays employee 4 by deducting the advance amount from the employee's salary closing date from employee 4's salary (flow f34).
[00177] That is, when employee 4 uses the financial demand response service system, the provider server 20 charges the card the amount of advance entered by employee 4 (total charge for the amount of down payment), and the advance amount is increased. On the other hand, when employee 4 uses the card, the provider server 20 charges company 1 a fee. Therefore, user 4 can use the entire advance amount.
[00178] Note that the fee charged by company 1 can be calculated according to the number of times the
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56/106 employee 4 uses the card, or a limit can be placed on the number of times billed.
[00179] Specifically, for example, it can be done only once or it can be done a predetermined number of times, or the number of times of use after a predetermined number of times (for example, the third time) can
to be used; and depending on the number of times, the i amount to to be charged can be changed (increase or decrease to each use).[00180] Using the Figure 17, other method in processing fee collection for When one employee 4 uses you service stern supply
financial demand response will be described.
[00181] When an employee 4 performs a procedure to receive a predetermined advance amount (advance payment of salary) at employee terminal 40 (flow f41), the provider server 20 transfers the electronic value information in the manner specified by employee 4 ( flow f42), and subtract a rate from the advance amount (flow f43).
[00182] The provider server 20 totals the advance amount (electronic value information) loaned to employee 4 from the closing date, and service provider 2 invoices company 1 based on the results of use by employee 4 of the amount advance payment (electronic value information) (flow f44), and company 1 pays the bill.
[00183] Company 1 deducts from employee salary 4 the amount used based on the actual anticipated use amount from the salary closing date
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57/106 of the employee and pays employee 4 (flow f45).
[00184] That is, when employee 4 uses the financial demand response service and receives a salary advance, a fee is charged; the remaining amount is transferred to the employee's managed account; company 1 deducts the amount that employee 4 used from salary based on electronic value information and pays employee 4.
[00185] Note that the provider server 20 may charge a fee each time employee 4 uses the financial demand response service, may collectively bill on the closing date. In addition, the number of times of use can be limited. Specifically, for example, only the first time after the due date (or closing date) can be charged, or you can order each time after three or more uses are charged and, depending on the number of times, the amount to be be charged can be changed (increase or decrease for each use).
[00186] Using Figure 18, another fee collection processing method for when an employee 4 uses the financial demand response service will be described.
[00187] When an employee 4 performs a procedure to receive a predetermined advance amount (advance payment of salary) at employee terminal 40 (flow f51), provider server 20 transfers electronic value information in a manner that employee 4 designates for the amount of advance (flow f52).
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58/106 [00188] When employee 4 uses the financial demand response service system (flow fl3), the amount used (purchase amount) is subtracted from the advanceable amount (electronic value information).
[00189] The provider server 20 totals the amount of advance loaned to employee 4 from the closing date, and when service provider 2 charges the advance amount to company 1 based on the results of use by employee 4 of the amount of advance (electronic value information) and invoice based on the fee associated with employee 4's use of electronic value information (flow f54), and company 1 pays the bill.
[00190] Company 1 deducts the advance amount from the closing date of the employee's salary from employee 4's salary, and pays employee 4 (flow f55).
[00191] That is, when employee 4 uses the financial demand response service system, the provider server 20 adds the advance amount introduced by employee 4 to the electronic amount information corresponding to the advance amount (an increase in the amount total for the payment advance entered). On the other hand, when employee 4 uses electronic value information, the provider server 20 charges company 1 a fee. Therefore, user 4 can use all advance amounts.
[00192] Note that the fee charged by company 1 can be calculated according to the number of times employee 4 uses a card, or a limit can be placed
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59/106 on the number of times billed. Specifically, for example, it can be done only once or it can be done a predetermined number of times, or the number of times of use after a predetermined number of times (for example, the third time) can be used; and depending on the number of times, the amount to be charged can be changed (increase or decrease for each use).
(Aggregation Period) [00193] As shown in Figure 19, the payday is different for each company. Therefore, the aggregation period of the financial demand response service system can be defined individually and a closing date (individual closing date) corresponding to each company or a closing date (common closing date) can be defined. for all companies. In this case, after the completion of each aggregation period, the service provider 2 charges each company after an arbitrary period.
[00194] The charging method for each company can be done, for example, by paper invoices, electronic invoicing, etc., but other methods can be used.
(Company Credit) [00195] As shown in Figure 20, service provider 2 can perform credit screening for a company 1.
[00196] When a company applies to use the financial demand response service system, service provider 2 receives provisional information about the company's credit, such as capital, number of employees, asset information or
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60/106 company account settlement information.
[00197] Service provider 2 sets or does not set a usage limit for a company based on credit information and issues an account.
[00198] The usage limits to be defined include the range of the advanceable amount available throughout the company, the range of the advanceable amount available for each employee and the range of the advanceable amount for labor wages, but are not limited to them.
[00199] In addition, the method for a company 1 to request and be issued an account may include, but is not limited to, in writing, via electronic mail, orally or similar.
[00200] As shown in Figure 21, the amount of advance (limit amount) for a company can be changed based on the company's performance. That is, the advance amount (limit amount) can be changed based on the company's payment performance to the service provider 2.
[00201] For example, although Company A has only 100 employees, it has been using the financial demand response service system for a long period of six months, so the limit is set at 30 million yen. On the other hand, as Company B has only a short usage history of one month, the limit is set at 10 million yen.
[00202] As Company C has a credit problem (invoice payments were delayed), while the history of using the financial demand response service system was up to six months, the
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61/106 limit has been reduced to 10 million yen.
[00203] That is, service provider 2 is able to arbitrarily establish a company's usage limit based on the usage record of the financial demand response service provision system, the company's credit as late payment, payment unpaid and the like. In addition, if there is a situation in which credit is significantly reduced, such as when unpaid credit continues, the use of the financial demand response service system is preferably discontinued.
[00204] As shown in Figure 22, the management screen for managing a plurality of companies displays company names a, usage / monthly balance b, the number of consecutive months c, the number of employees d, the grade (rating of credit) and etc. so that the credit can be determined, and the score (credit rating) and can be defined based on the name of the company a, the usage / monthly balance b, the number of consecutive months c, and the number of employees d.
[00205] According to the financial demand response service service system 100, if the selection information is selected to be executed automatically, at the moment the advance amount increases, an automatic billing data output unit 223 which performs a transfer processing for electronic value information corresponding to a predetermined advance amount increase to the employee's managed account from the electronic value information of the amount
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62/106 payable to the employee; the automatic charging data output unit 223 assumes that the increase in the predetermined advance amount is a fixed amount if the increase information indicates that the amount is fixed and that the fixed amount is less than the increase in the advance amount, and if the increase is less than the fixed amount, so because it is an increase, an advance (payroll prepayment) is able to be made within the salary advance range and can be used in real time without just relying on bank transfers from the employee to perform the financial demand response service.
[00206] Company 1 does not need to prepare the advance because service provider 2 performs the funds transfer. For this reason, a company 1 can use the financial demand response service system without bearing the burden of the advance.
[00207] Please note that the amount of the advance is determined by the amount of payment and the actual working hours defined in the working conditions, and the daily working hours are automatically delivered in CSV format from the attendance management data server 11 of company 1 to which employee 4 belongs, so that the burden on a company representative is greatly reduced. Also note that attendance management data, such as daily working hours, can be sent manually.
[00208] In addition, according to the financial demand response service provision system 100 in accordance with the present modality, if the collection
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63/106 automatic payment of the advance amount (automatic transfer of electronic value information) is activated, when the actual working hours increase, an automatic charge can be made. In addition, if automatic billing is enabled, charges that were not used at the closing date of the payment will be reset, and the deducted amount paid to the employee as a salary is only from the amount used. For this reason, the managerial burden of the accounting person (s) in company 1 and employee 4 who is the user can be greatly reduced. In addition, when automatic billing is disabled (manually transferring electronic advance payment information), an entry operation manually by employee 4 within the range of the advanceable amount is capable of being charged, in which case, manual billing of the if possible at the discretion of employee 4 who increases usability because it can be used flexibly.
(Advance Financial Demand Response Service Method) [00209] In addition, in accordance with the present embodiment, a financial demand response service method of providing a financial demand response service for employees belonging to the company that owns a company server that manages the actual amount of employee advances and the credit limit for employees, a service management data server that manages an employee's service management data and a provider server which manages managed accounts of electronic value information from
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64/106 employees and are connected via a network, the provider server has a step of calculating an advanceable amount for an employee based on an amount credit limit managed by a company server and attendance management data managed by the attendance management data server, a step of transferring the electronic value information corresponding to the advance amount loaned to the employee within the range of the advance amount calculated from the electronic value information of the management account, a step of generating the advance borrowed from the employee to the company server, the company server has a step of reflecting the advance from the provider server to the actual advance amount and calculating a credit limit amount corresponding to the actual advance amount.
[00210] According to the method of providing a financial demand response service according to the present modality, a business model can be performed in which a provider server 20 calculates an advance amount for an employee 4 based on in attendance management data and performs a process of transferring electronic value information from the advance to the managed account 30a of an employee 4 that is within the range of the calculated advance amount, an employee 4 is able to use a real-time advance without just relying on a bank transfer.
[00211] In addition, as the down payment amount from the provider server 20 is reflected in the actual down payment amount and the credit limit amount is
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65/106 calculated based on the actual advance amount, a company is able to increase or decrease the amount of credit limit for an employee.
(Provider Server) [00212] Also, for example, as shown in Figure 4, the provider server 20 is connected over a network to an attendance management data server 11 that manages the time of an employee 4 of a company 1 and to an employee terminal 40 who is able to provide selection instructions for automatic or manual transfer of electronic advance payment information to employee 4 of company 1 and whether the selection information provides instructions to be done automatically, capable of sending the increase information indicating that the increase in the advance amount in the transfer process is fixed at a predetermined fixed amount or that the increase is made as a floating increase based on a predetermined floating rate.
[00213] The provider server 20 manages the managed account (s) of employees and the company's advance, and provides a service of providing financial demand response for advance. In this modality, according to the provider server 20 in question, the provider server 20 reflects the amount of down payment over the amount of actual down payment and, as the amount of credit limit is calculated based on the amount of actual down payment, a company can increase or decrease the credit limit amount for an employee.
[00214] In addition, for example, as shown in Figure 3, a program according to the present modality is
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66/106 a program for a provider server that manages a service providing financial demand response to employees and managed accounts of the employees' electronic value information that is connected over a network to a company server that manages an advance amount real for employees belonging to a company and an amount of credit limit for employees, and an attendance management data server that manages employee attendance management data. So, for example, as shown in the flowchart in Figure 7, the program is characterized by the fact that it runs on a computer (provider server 20) a procedure to calculate an advanceable amount for an employee based on the amount of credit limit managed by the server information and attendance management data managed by the attendance management data server, a procedure for transferring electronic value information corresponding to an advance loaned to the employee within a range of an advanceable amount calculated from electronic value information of the managed account and a procedure to produce the advance amount loaned to the employee for the company server.
[00215] According to the program of the present modality, having the provider server 20 read and execute sequentially the stored programs according to the present modality which are stored in the program area of a storage unit 23, an employee 4 is able to use an advance in real time without depending
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67/106 of bank transfer only.
(Configuration of a Second Mode) [00216] The business model of a second mode is carried out by an employer company 1, a service provider 2, a card company 3, employee (s) 4 and a bank 5. Next, service provider 2 calculates an advance amount for employee 4 based on employee management attendance data 4 as transmitted from company 1 and instructs card company 3 to transfer electronic value information from an advance 30b that is within the range of a calculated advance amount on employee 4's managed account 30a. In response, the card company performs a transfer of the electronic value information from advance 30b to employee 4's managed account 30a .
[00217] In order to carry out the business model above, it is assumed that company 1 has signed an employment contract with employee 4 and it is assumed that employee 4 has signed up for the financial demand response service with service provider 2. In addition, card company 3 is assumed to manage employee 4 managed account 30a and down payment 30b, and company 1 is assumed to have entered into a payroll transfer agreement payment with bank 5 to transfer the salary to bank account 50a after deducting the amount of the actual advance. Note that it is assumed here that card company 3 is managing the
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68/106 managed account 30a and down payment 30b, but it is also assumed that down payment 30b is managed by bank 5 (down payment 50b). In addition, after obtaining permission for personal information for employee 4, company 1 needs to have a contract to use this business model with card company 3 or bank 5 or with service provider 2 who purchases the advance .
[00218] The data flow to carry out this business model is as follows.
[00219] As shown in Figure 23, first, employee 4 performs labor for company 1 based on the employment contract (step a). Then, company 1 transmits employee service attendance data 4 to service provider 2 that provides the financial demand response service (step b). Then, the service provider 2 calculates the advance amount for employee 4 or the interval based on the attendance management data and at the time the advance amount calculated here is increased (automatic charge to be described later) or at any time designated by employee 4 (manual charge to be described later), request card company 3 to transfer the advance to be borrowed (step c). At this time, the card company 3 that received the order makes a transfer of the electronic value information of the advance (hereinafter referred to as the advance fee) to the managed account 30a managed by the card company 3 to employee 4 (step d).
[00220] Please note that the amount of the
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69/106 unused advance is reset (subtracted) at the end of each month. Then, company 1 purchases from the service provider 2 a payroll deduction amount calculated based on the results of using the employee's advance 4 (step e), asks bank 5 to transfer it to the employee's bank account 50a the amount of salary minus the amount of advance used 4 (step f), and bank 5 performs a transfer process based on the request.
[00221] Note also that employee 4 may have a card 40 that was manufactured by a printing company at the request of card company 3 to use the advance. Cards 40a also include those issued by companies other than card companies. Card 40a can be a credit card, a debit card, a prepaid card or even electronic money. Card 40a is managed together with managed account 30a assigned to employee 4 belonging to company 1, which is managed by the card company and card 40a is linked by a uniquely assigned card number, identification information or possibly an identification code. company and an employee number. As a result, balance management is performed based on the results of using advance payment. Therefore, the balance charged to managed account 30a and card 40a must always be in sync.
[00222] Note that card 40a is not necessarily essential in the realization of the business model, and identification information, such as a card number uniquely assigned, since the
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70/106 card 40a can be replaced.
[00223] As shown in Figure 24, the financial demand response service delivery system 100 according to the present modality involves the connection of an attendance management data server 11 to manage the time of an employee 4 in the company 1, a card company server 30 to manage a managed account 30a from employee 4 and an advance 30b to employee 4, a server provider 20a to provide financial demand response service to use advance 30b, a server bank 50 that manages bank account 50a for employee 4 and an employee terminal 40 owned by employee 4 that are connected via a network 60, such as an IP (Internet Protocol) network.
[00224] Note that for company 1, company 10 server is also configured to manage employee 4 employee data belonging to company 1 for processing payroll accounting and, similar to management data server service 11 described above, is connected to network 60. The case where the card company server 30 is installed in a different location from the card company is also included.
[00225] Note that company server 10, attendance management data server 11, provider server 20a, card company server 30 and bank server 50 include the entire computer system managed and operated by the company 1, service provider 2 and card company 3 and bank 5, respectively.
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71/106
In addition, employee terminal 40 refers to a terminal such as a mobile phone, smartphone, PC (Personal Computer), etc., owned by employee 4 and having a connection to network 60.
[00226] In the system configuration described above, provider server 20a calculates the advance amount for employee 4 based on employee management attendance data 4 transmitted from attendance management data server 11 and transmits a message instructing the transfer of electronic value information from the advance to the managed account 30a (card 40a) of employee 4 within the range of the calculated advance amount to the card company server 30. The card company server 30 transfers the electronic value information (advance payment) for employee account managed account 30a (card 40a) 4 due to receipt of the message.
[00227] The moment employee attendance management data 4 is received from attendance management data server 11, provider server 20a calculates the advanceable amount based on the fixed salary per unit time under the terms of the contract Employee 4 working hours (employment conditions) and actual working hours based on employee 4 attendance management data, and you can send a message instructing the transfer of electronic advance payment information to the card company server 30 Note that when calculating the amount to be paid, if the hourly wage is not specified in the terms of employment, a pattern can be considered in which the amount
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72/106 monthly salary divided by the day increases based on time and date or, for example, standard where up to 100,000 yen as a fixed amount can be used as the amount to pay when working half a month.
[00228] If the provider server 20a has received advance selection information from an employee terminal 40 instructing the transfer of electronic value information of the advance to be made automatically (automatic billing), the provider server 20a can automatically transmit a message instructing the transferring the electronic value information of the advance to the card company server 30 at the time the advance amount increases. On the other hand, if the provider server 20a received a selection message in advance from employee terminal 40 instructing a transfer of electronic advance payment information (manual billing), the provider server 20a may transmit a message instructing the transfer of the electronic value information of the advance to the card company server 30 at the time a transfer instruction is received from work terminal 40.
[00229] If automatic billing was selected, from the electronic value information of the transferred advance, the provider server 20a resets the amount of unused money at the end of the payroll day (the end of each month), and the amount used can be generated as salary deduction data. The company server 10 acquires the salary deduction data generated by the provider server 20a by downloading and performs a
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73/106 process of transferring the amount of salary to the bank server 50 minus the advance to the employee's bank account 50a 4.
[00230] Note that the financial demand response service service system 100 in accordance with the present modality is assumed to carry out the business model described above using the card settlement network of a card company 3 (not shown) which is different from network 60 such as an IP network. For this reason, employee 4 can shop at a member store and deposit / withdraw money from a partner ATM (Automatic Teller Machine) using the card owned 40a. In addition, if card 40a is a debit card that is given a credit card number, it can also be used for online purchases.
[00231] In recent years, to facilitate card payments, the standardization of card terminals used for card payments, for credit payments, standard specifications such as EMV (EuroPay International, MasterCard International and Visa International; trademark) has been implemented and domestic applications are being used, and banks have established the Federation of Bankers' specifications. As an example of a standard specification, a general purpose payment network system, such as CAFIS (Credit and Finance Information System: trademark), is widely used in payment card management companies at the national level, distribution companies and third parties, such as financial institutions (settlement companies), affiliated stores, etc., are connected online and
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74/106 payments are made using a card like a credit card or a cash card.
[00232] In addition, to differentiate from other companies, a branded payment network can be established for each payment card operator instead of a general purpose payment network based on a strategy to collect payment cards with a service exclusive by the payment card operator. For example, JCN (Japan Card Network; trademark) in the case of JCB (JCB; trademark), VisaNet (VisaNet; trademark) in the case of VISA (Visa International; trademark), and these payment networks are used as payment networks to replace CAFIS.
[00233] Below, the basic operation of the financial demand response service service system 100 according to the present modality shown in Figure
24 will be described with reference to Figure 25. 0 server provider 20a and the server company in card 30 correspond to server provider 20 gives first
modality.
[00234] When attendance management data server 11 transmits attendance management data from employee 4 to provider server 20a (step Sll), attendance management data is transferred to card company server 30 ( step S12). Note that employee terminal 40 has already performed the processing to request the use of the financial demand response service system 100 that implements the business model by inserting the necessary items previously.
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75/106 [00235] In response to this, Card Company 3 has card 40a that was ordered to be manufactured by a printing company (not shown) delivered by post or similar (step S13). Note that in the financial demand response service delivery system 100 in accordance with the present modality, card 40a is not essential and, at the very least, identification information such as a card number that can be managed by the company server card 30 and can be shared with employees is sufficient.
[00236] Then, employee 4 operates employee terminal 40 to log into the website (provider server 20a) of service provider 2 based on the login information contained in the card sent 40a (step S14). For the first login, employee 4 operates employee terminal 40 to enter selection information instructing the automatic transfer of electronic value information from an advance (automatic charge) or a manual transfer (manual charge). Upon receiving this selection information, the provider server 20a performs card activation processing to allow the use of card 40a, and card company server 30 similarly performs card activation processing 40a (step S15). Here, the validation process refers to a process of associating managed account 30a with card 40a.
[00237] After the above pre-processing, the provider server 20a calculates the advance amount for employee 4 when employee 4's attendance management data is transmitted from the server
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76/106 of attendance management data 11, for example, CSV (Comma Separated Value) format (step SI 6) and a message instructing the transfer of electronic advance payment information (advance fee) that are within the range of the calculated advance amount for employee 4's managed account 30a is sent to the card company server 30 (step S17).
[00238] Note that at the time the provider server 20a received the attendance management data from the attendance management data server 11, the provider server 20a calculates the advance amount based on the fixed salary per unit of time under the terms in employment conditions of employee 4 and actual working hours based on employee management attendance data 4. For example, if 8 hours of work were done with the employment condition of 1000 yen per hour, and the possible advance rate is set to 70%, the salary is 80000 yen and the advanced amount is 56000 yen. When the card company server 30 receives a message instructing an advance charge from the provider server 20a, an electronic information transfer process is performed on employee 4's managed account 30a, and an advance charge managed in association with the managed account 30a is performed on the card 40a owned by the employee (step S18).
[00239] Note that the use of the advance amount of the advance fee is managed by entering selection information when employee 4 logged in to the provider server 20a, as in step S14. That is, if the
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77/106 provider server 20a has received in advance from employee terminal 40 selection information instructing the transfer of electronic value information of the advance to be made automatically (automatic billing), provider server 20a automatically transmits a message instructing the transfer of information from electronic amount of the advance to the card company server 30 at the time the advance amount is increased by a predetermined amount. On the other hand, if the provider server 20a has received in advance from the employee terminal 40 selection information instructing a transfer of the electronic value information of the advance to be made manually (manual charging), the provider 20a transmits a message instructing the transfer of a electronic value information of the advance to the card company server 30 at the time a transfer instruction is issued from the employee terminal 40.
[00240] As shown in Figure 26, on the provider server 20a, a communication unit 21, a processing unit 22 and a storage unit 23 are commonly connected via a bidirectional input / output bus 24 in which a plurality of lines for address, data and control are configured.
[00241] Communication unit 21 is a LSI communication (Large Scale Integration) that carries a communication interface between network 60 and provider server 20a (processing unit 22) and, for example, the transfer of files linked by API
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78/106 (Application Program Interface) is performed between the company server 10 connected to network 60 and the card company server 30 by TCP / IP (Transmission Control Protocol / Internet Protocol).
[00242] Processing unit 22 calculates the advance amount for employee 4 based on employee attendance management data sent from company server 10 and performs transfer processing to transfer information to card company server 30 electronic advance payment amount for managed account 30a for employee 4 which is within the range of the calculated advance amount, and this is done in cooperation with the communication unit 21 and the storage unit 23.
[00243] For processing unit 22 to calculate the advance amount for employee 4 based on employee management attendance data 4 sent from attendance management data server 11 and perform a function as a processing medium to transmit a message instructing the transfer of electronic advance payment information that is within the calculated advanceable amount range for employee account 30a managed 4 to card company server 30, a service management data acquisition unit 221, a calculation unit 222, an automatic billing data output unit 223 and a deduction data generation unit 224 are provided as means of program execution.
[00244] The data acquisition unit of
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79/106 attendance management 221 acquires attendance management data from a specific employee 4 from attendance management data server 11 through communication unit 21 in CSV format, and delivers attendance management data to the calculation unit 222. At the time when calculation unit 222 received the time date, calculation unit 222 calculates the advanceable amount based on the fixed salary per unit of time under the terms in the employee's employment conditions 4 and working hours actual based on time 4 employee data and delivers it to the automatic billing data output unit 223. The automatic billing data output unit 223 transmits a message instructing the transfer of the electronic value information from the advance (advance payment ) to the card company server 30 through the communication unit 21.
[00245] Note that if calculation unit 222 received selection information previously instructing that electronic advance payment information be automatically transferred (automatic collection) from employee terminal 40, calculation unit 222 also performs processing for reset the electronic value information that was not used as of the payroll date, in addition, the deduction data generation unit 224 performs a calculation process to generate the amount used by employee 4 from the amount charged in advance as data deduction.
[00246] If the automatic billing data output unit 223 has previously received selection information from employee terminal 40 that automatic billing
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80/106 must be made, the automatic billing data output unit 223 automatically transmits a message instructing the transfer of the electronic value information of the advance to the card company server 30 at the time the advance amount increases. On the other hand, if the automatic billing data output unit 223 received selection information in advance that manual billing must be done, the automatic billing data output unit 223 transmits a message instructing the transfer of electronic value information from an advance to the card company server 30 at the time an instruction for transfer is issued from the employee terminal 40.
[00247] The deduction data generation unit 224 generates, in CSV format, the amount used by the employee from the electronic value information transferred from the advance as salary deduction data. The company server 10 periodically or irregularly acquires salary deduction (CSV) data generated by the deduction data generation unit 224 of the provider server 20a, and requests the bank server 50 to perform a transfer process of the salary amount less the amount of advance to employee bank account 50a 4.
[00248] The storage unit 23 is mounted with, for example, a semiconductor storage element such as SRAM (Static Random Access Memory), DRAM (Dynamic Random Access Memory), flash RAM memory, or a large storage element ability as one with
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81/106 light or magnets, and in the mode described above in addition to the programs, employee data 231, payroll table 232, automatic billing data 233, billing data 233 and attendance management data 234 are also assigned and stored in the work area.
[00249] As shown in Figure 27 (a), employee data 231 has as data items at least one company ID that is uniquely assigned to each company 1 that has entered into a contract to use this business model and furthermore , has as data items a unique employee ID assigned to each employee 4 who requested the use of this business model in advance and a card ID uniquely assigned to each managed 40a card in association with a managed server 30a managed account card company logo 30.
[00250] As shown in Figure 27 (b), payroll table 232 is inserted and transferred by a company representative based on the employment contract and has at least company ID (identification), employee ID, salary hourly / daily / monthly salary and amount of salary as data items. In addition, as shown in Figure 27 (c), the billing data (automatic billing data) 233 is generated by processing unit 22 (automatic billing output unit 223 or deduction data generating unit 224) , has at least ID card, automatic advance payment (auto) / manual and charge amount (remaining amount) as data items. Also, as shown in
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Figure 27 (d), attendance management data 234 is entered and transferred by a company representative and has at least company ID, employee ID and at least one of the working days, working hours and working month. included as data items. That is, there are also cases where company ID, employee ID and hours worked are included as data items.
[00251] Employee data 231, payroll table 232, automatic billing data 233 and attendance management data 234 are all created in CSV format for transfer and are linked by company ID and account ID employee.
(Operation of the Modalities) [00252] In the following, the process of handling the demand for funds from the provider server 20a shown in Figure 26 and Figure 27, and the financial demand response tabulation process will be described in detail with reference to the flowcharts shown in Figures 28 (a) and 28 (b).
[00253] The financial demand treatment process will be described. In Figure 28 (a), on the provider server 20a, first, the processing unit 22 performs entry and import of a payroll table in the CSV format generated by the company server 10 (step S101). Then, when attendance management data acquisition unit 221 fetches attendance management data 234 from attendance management data server 11 via communication unit 21 in CSV format via file transfer
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83/106 (step S102 YES), calculation unit 222 calculates the advance amount (step S103). Referencing storage unit 23 at the time the attendance management data 234 is received from the attendance management data server 11, the calculation of the advance amount is calculated based on the payment per unit of time (payment per hour / daily payment) stored in payroll table 232 and working hours based on employee management attendance data 234 4, and the calculated advance amount is delivered to the automatic billing data output unit 223.
[00254] At this moment, if the automatic billing data output unit 223 received in advance the employee terminal selection information 40 instructing that the transfer of electronic advance payment information should be done automatically (automatic billing) (step S104 automatic billing data output unit 223 generates automatic billing data 233 at the time the advance amount has increased (step S105 YES) and while it is stored in a predetermined area (automatic billing data 233) of the unit storage 23, transmits a message instructing the transfer of the electronic value information of the down payment (down payment collection) to the card company server 30 through the communication unit 21 (step S107). When card company server 30 receives the advance rate message, card company server 30 performs transfer processing of the value information
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84/106 electronic for employee 4 managed account 30a managed by the card company.
[00255] On the other hand, if the automatic billing data output unit 223 received in advance the employee terminal selection information 40 instructing that the transfer of the electronic value information of an advance must be done manually (manual billing) ( step S104 manual), at the moment there is a transfer instruction from employee terminal 40 (step S106 SIM), a message instructing the transfer of electronic advance payment information is transmitted to the card company server 30 through the unit of communication 21 (step S107). Also in this case, when the card company server 30 receives the advance message, the card server
card company 30 performs the processing in transfer of valuable information electronic for The managed account 30a the employee 4 managed by card company. [00256] Then, the process tabulation in
financial demand response will be described. In Figure 28 (b), when the salary closing date is reached (step S201 YES), the provider server 20a (calculation unit 222) calculates a fee collection process and a process for redefining the payment information. electronic amount transferred from the advance, which was not used as of the payroll closing date (step S202). Subsequently, the deduction data generation unit 224 generates the amount used by employee 4 as obtained from calculation unit 222
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85/106 as salary deduction data (step S203). Then, the company server 10 acquires the deduction data from the provider server 20a (deduction data generation unit 224) at the end of the month and requests that the bank server 50 perform a transfer processing for an amount less salary the advance used to employee bank account 50a 4.
[00257] Figure 29 shows a screen transition diagram for employee terminal 40, and Figure 30 shows an example of the screen configuration of the home screen and the billing change method screen.
[00258] As shown in Figure 29, on the LCD monitor (Liquid Crystal Display) of employee terminal 40, a login screen, a home screen or a logout screen is displayed. From Figure 30 (a) which shows an example of configuring a transition from the initial screen to the billing method change screen, and whose example is in Figure 30 (b), the issue screen for the main account (bank account 50a), the remittance request screen for an account other than the person (bank account 50a) or the card usage statement screen are possible.
[00259] As shown in Figure 30 (a), on the home screen, in addition to the card balance, buttons are allocated for card collection, bank remittance, usage details and account management, and when employee 4 selects (rings) one of these buttons, services corresponding to charging the card 40a, remittance to a bank, navigation by usage details or account management are performed. These services (applications) run
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86/106 choosing any button will be described later.
[00260] Also, as shown in Figure 30 (b), on the billing method change screen, the check buttons to switch between automatic and manual are assigned. After employee 4 operates employee 40 terminals to activate it and presses the resume button at first login, switching between automatic billing to automatically send a message instructing the transfer of electronic advance payment information at the time the advance amount is increases, and the manual charge for transmitting a message instructing the transfer of electronic advance payment information at the time when employee 4 provides instructions becomes possible. Here, if one of them is being selected, the billing method change completion screen is displayed (see Figure 29).
[00261] In Figure 29, when the manual billing screen is selected, the advance amount is displayed on the LCD monitor of employee terminal 40, and when the employee enters the amount to be charged, the screen changes to the confirmation screen for manual charging. Then, upon confirmation by employee 4 (a tap on the OK button, not shown), the manual charge completion screen is displayed. In addition, if the remittance to the personal account screen is selected, employee 4 is asked to enter the bank and branch name, account number and remittance amount via employee terminal 40. If these items required are entered, the screen will transition to the shipment confirmation screen for the
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87/106 personal account and then will go to the shipping screen to the personal account completion screen after confirmation by the employee 4. Please note that the account information was entered in advance at the time of the employee's registration, if the account is selected, the screen will transition to the delivery confirmation screen for the personal account and then the delivery to the personal account completion screen after confirmation by the employee 4.
[00262] Note that even when the remittance screen for someone else's account is selected, employee 4 will also need to enter the bank and branch name, account number and remittance amount via employee terminal 40. After entering these mandatory items, the screen will transition to the delivery confirmation screen for someone else's account and will transition to the completion delivery screen for someone else's account under employee confirmation 4. These screen transitions are performed by the GUI (Graphical User Interface) of employee terminal 40, which is under the control of the provider server 20a (processing unit 22).
[00263] Figure 31 shows an example of services (application) available for employee 4.
[00264] As shown in Figure 31, according to the financial demand response service delivery system 100 in accordance with the present modality, with the employee's managed account 30a managed by the card company 3, this amount can be debited on card 40a, and transfer money from card 40a to a bank account
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88/106 in the person's name, in a bank account in the name of another person or something similar is possible. In addition, cash payments and ATM withdrawals, as well as purchases with the 40a card are also possible, and if the 40a card has a credit card number provided, online purchases can also be made. Note that card 40a is not limited to a prepaid card and can be replaced by a credit card, electronic currency as a form of transmission, or the like.
(Effect of the Modality) [00265] According to the financial demand response service provision system 100 in accordance with the present modality, payment can be made from the advance amount by a card 40a such as a prepaid card paid, credit card, electronic money, etc. of employee 4 managed by the card company 3, and in the execution of this business model, employee 4 who is the worker can use it in real time without just relying on a bank transfer. In addition, card 40a is not essential, and employee 4 is able to do the same thing with just a card number.
[00266] Note that the advance amount is determined by the amount of payment and the actual working hours defined in the working conditions, and the daily working hours are automatically delivered in CSV format from company 1 attendance management data server 1 to which employee 4 belongs, so that the burden on the company representative is greatly reduced. Also note that the
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89/106 attendance management, like daily working hours, can be sent manually.
[00267] In addition, according to the financial demand response service service system 100 in accordance with the present modality, if automatic charging for the advance amount (automatically transfers information of electronic value) is enabled, card 40a it can be loaded automatically when the actual working hours increase. In addition, if automatic billing is enabled, charges that were not used at the closing date of the payment will be reset, and the amount deducted from the amount used is paid to the employee as a salary. For this reason, the managerial burden of an accounting person in company 1 and employee 4 who is the user can be greatly reduced. In addition, if automatic billing is disabled (manually transfers electronic advance payment information), card 40a can be charged manually for employee 4 entry within the range of the advanceable amount, in which case manual billing can be performed at the discretion of employee 4, allowing flexibility that increases usability.
(Financial Demand Response Service Provision Loan Method) [00268] The financial demand response service provision method in accordance with the present modality is a financial demand response service delivery method to provide a service of providing financial demand response to an employee 4 belonging to a company 1 using a network
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90/106 of card company server payment. Then, for example, as shown in Figure 25, the attendance management data server 11 connected through network 60 transmits attendance management data from employee 4 to the provider server 20a (Sll); the provider server 20a calculates an advance amount for employee 4 based on the attendance management data and sends the card company server 30 a message instructing the transfer of the advance electronic amount information within the calculated range of advance amount to the managed account 30a of employee 4 managed by card company 3 (S16, S17); and when the card company server 30 receives the message from the provider server 20a, a process of transferring the electronic value information to the employee's managed account 30a (S18) is performed.
[002 69] According to the service method of providing financial demand response in accordance with the present modality, a business model can be performed by the provider server 20a by calculating the amount
advanceable for the employee 4 based we data from management service and sending an message instructing The transfer gives information of value electronic in an advance for the bill managed 30a
of employee 4 managed by the card company 3, which is within the range of the calculated advanceable amount for the card company server 30, and the card company server 30 performing a transfer process of the electronic value information to the managed account 30a, so that employee 4 can use an advance on
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91/106 real time without just relying on a bank transfer.
(Provider Server) [00270] Also, as shown in Figure 24, for example, the provider server 20a according to the present modality is a provider server connected via network to an attendance management data server 11 to manage time an employee 4 belonging to a company 1, and a card company server 30, which manages an employee 4 managed account 30a and provides an advance for employee 4 to provide a financial demand response service to use the advance . Then, for example, as shown in Figure 26, the provider server 20a has a processing means (processing unit 22) for transmitting to the card company server 30 a message instructing the transfer of electronic value information from the advance to the employee 4 management account 30a within the range of the advanceable amount calculated based on employee 4's attendance management data, calculate the possible loan amount for employee 4.
[00271] According to the provider server 20a of the modalities, a provider server 20a can be provided in which a processing unit 22 calculates the advanceable amount for employee 4 based on the attendance management data of employee 4 and instructs the server card company 30 to transfer electronic advance payment information that is within the calculated range of advanceable amount to the account
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92/106 managed 30a by employee 4, so that employee 4 is able to use the advance in real time without just relying on a bank transfer.
[00272] In addition, a program according to the present modality is, for example, as shown in figure 24, a provider server program 20a connected through network 60 to an attendance management data server 11 to manage time from an employee 4 belonging to a company 1 and to a card company server 30, who manages an employee account managed account 30a 4 and the advance to employee 4, in order to provide a financial demand response service for use the advance. So, the program is characterized by the fact that, for example, as shown in the flowchart in Figure 28 (a), the program performs a procedure that calculates the amount that can be advanced to employee 4 based on employee management assistance data 4 sent from the attendance management data server 11 to the computer (provider server 20a) (S103), and a procedure that sends a message to the card company server 30 instructing the transfer of the electronic value information of the advance that is within the calculated range of advanceable amount for employee 4 managed account 30a (S104 to S107).
[00273] According to the program of the present modality, when reading and executing sequentially the program according to the present modality which is stored in the program area of the storage unit 23 by the provider server 20a, an employee 4 can use an advance in
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93/106 real time, without just relying on a bank transfer.
[00274] Although the present invention has been described above using the modalities, it is evident that the technical scope of the present invention is not limited to the scope described in the above modalities. Various changes or modifications that are evident to those skilled in the art can be added to the above modalities. In addition, it is also evident from the scope of the claims that modalities that add such changes or improvements can also be included in the technical scope of the present invention.
[00275] The invention described in the following appended claims was initially attached to the application for the prior priority application. The item numbers of the claims described in the appendices are as in the claims attached first to the request for the previous claim for priority right.
Claim 1. Financial demand response service system to provide financial demand response services to employees belonging to one, comprising:
an enterprise server to manage a credit limit and actual advance amount for employees, an attendance management data server to manage employee attendance management data, a provider server to manage employee managed accounts, and servers are connected via a
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94/106 network, and where the provider server comprises:
an advance amount calculation unit that calculates an advance amount for an employee based on the maximum credit limit, as managed by the company server, and attendance management data as managed by the attendance management data server, a means of transfer processing that transfers value information to the managed electronic account based on the amount of advance lent to the employee within the range of the advanceable amount calculated from the managed account's electronic information, and
a way about to leave what produces, for the server in company, amount in advance borrowed to employee, on what the server in company calculates the limit in
maximum credit.
Claim 2. Financial demand response service system according to claim 1, wherein the company server reflects the actual advance amount of the advance amount by the supplier server, and calculates the maximum credit limit based on actual advance amount.
Claim 3. Financial demand response service system according to claim 1 or 2, wherein the provider server also includes a company credit management unit that manages a company's credit information with respect to credit from company, and calculates a total amount
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95/106 advanceable based on the company's credit information.
Claim 4. Financial demand response service system according to any of claims 1 to 3, wherein the provider server also includes a usage fee calculation unit that calculates a response service usage fee of financial demand based on the electronic value information of the advance transferred by the automatic billing data output unit, and a billing unit to bill a company or an employee for using the financial demand response service.
Claim 5. Financial demand response service system according to any one
claims 1 to 4, in bank that manage an account in which one server bank to which O salary of an employee is transferred to leave gives company and a terminal in
employees are also connected via the network, where the provider server manages the managed accounts and advance amounts from the company lent to the employee, where the employee terminal transmits selection information in advance instructing the automatic or manual transfer of value information electronic payment of the advance amount, and if the selection information indicates automatic performance, then the employee terminal transmits additional information indicating that the increase in the transfer process is fixed at a predetermined fixed amount or is carried out at a predetermined floating rate,
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96/106 in which the provider server also comprises:
a service management data acquisition unit that receives service management data from one or more employees and is managed by the service management data server, a unit of calculation that calculates an advanceable amount for an employee based on the data management of incoming calls, and manages the electronic value information based on the advance amount calculated through the employee's managed account, and an automatic billing data output unit in which, if the selection information has been selected to be executed automatically, so when the advance amount increases, the automatic billing data output unit transfers electronic value information corresponding to the predetermined increase in the advanceable amount from the employee's management account to the bank account from the value information. electronic amount added amount managed in the employee's management account, where for the automatic billing data output unit, if the increase information has been instructed to automatically transfer a fixed amount, and if the predetermined fixed amount is less than the increase in the amount advance, then the predetermined increase in the advance amount is defined as the fixed amount, but if the increase is less than the fixed amount, only the increase is obtained.
Claim 6. Supply service system
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97/106 financial demand response according to claim 5, in which for the automatic charging data output unit, if the increase information indicates which fluctuation should occur, the predetermined increase is determined by multiplying the increase by the floating rate.
Claim 7. Supply service system
response from demand financial according with the claim 5 or 6, where the unity of calculation calculates the amount
advanceable to the employee when the attendance management data acquisition unit receives attendance management data.
Claim 8. Financial demand response service system according to any of claims 5 to 7, wherein the employee terminal sends transfer instruction information indicating the transfer of a predetermined amount, and to the outgoing unit of automatic billing data, if the information in the section indicates that the transfer must be made manually, when the transfer instruction information is received, the automatic billing data output unit transfers the information of the transfer to the employment management account. electronic value corresponding to a predetermined amount of the transfer instruction information from the electronic value information of the advanceable amount for the employee.
Claim 9. Financial demand response service system according to any of claims 5 to 8,
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98/106
on what one server company what manages the date in closure in sheet of payment in company, date in closure in an individual as determined by
company, or a common closing date for all companies is still connected via the network, the provider server which also includes a deduction data generation unit in which, at the time of the closing date, redefines the electronic value information of the advance that was not transferred by the automatic billing data output unit of the electronic value information of the advance corresponding to the employee's account and the amount corresponding to the electronic value information that was transferred by the automatic billing data unit is taken as salary deduction data, and where the company server periodically or irregularly acquires the payroll deduction data from the deduction data generation unit to the bank server, and requests the transfer of the salary less the amount advance payment corresponding to salary deduction data.
Claim 10. Financial demand response service system according to any of claims 5 to 9, wherein, if the total electronic value information subject to the transfer processing within a predetermined period exceeds the electronic value information corresponding to a predetermined maximum credit limit, the automatic billing output unit cancels the transfer process.
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99/106
Claim 11. Financial demand response service system according to any one of claims 5 to 10, wherein every time the automatic billing output unit exceeds transfer processing, the provider server still defines the subject to be transferred by the transfer processing as the electronic value information minus the transfer processing fee from the corresponding electronic value information, instead of the corresponding electronic value information.
Claim 12. Financial demand response service system according to any one of claims 1 to 4, wherein the provider server includes a card company server, wherein a transfer processing means includes a first means of transfer. transfer processing that sends a message to be transferred to the managed account to the card company server, and when messages are received from the first transfer processing means, a second transfer processing means transfers the information of value electronic for the employee's managed account, where the provider server includes the first transfer processing medium, where the card company server includes the second transfer processing medium and manages the advance amount for the employee, which is borrowed by the company, as well as the managed account.
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100/106
Claim 13. Financial demand response service system according to claim 12, wherein the first transfer processing means transmits a message instructing the transfer of the electronic amount information of the down payment amount to the payment company's server. card when attendance management data is received.
Claim 14. Financial demand response service system according to claim 12 or 13, wherein an employee terminal is further connected via a network, wherein the employee terminal issues check information instructing automatic transfer of the electronic value information of the advance based on the employee's input, and where if the first means of transfer processing indicates in advance that the selection information received from the employee terminal should be performed automatically, then when the advance amount increases , the provider server automatically transmits a message instructing the transfer of electronic value information from the down payment amount to the card company server.
Claim 15. Financial demand response service system according to claim 12 or 13, wherein an employee terminal is connected via a network,
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101/106 in which the employee terminal issues selection information instructing the manual transfer of electronic advance payment information based on the employee's input, and where the first transfer processing means previously indicates that the selection information received from the employee terminal it must be executed manually, so when the advance amount increases, the provider server transmits a message instructing the transfer of the electronic value information from the advance amount to the card company server.
Claim 16. Financial demand response service system according to claim 14, in which a bank server and a company server are connected over a network, where on the provider server, the first transfer processing resets the amount that has not been used by at least one of the payroll closing dates, an individual closing date as determined by the company, and a common closing date for all companies from electronic value information transferred from the down payment and generates the amount used as data for the salary deduction data, in which the company server periodically or irregularly acquires the salary deduction data from the first transfer processing medium, and asks the bank server that transfers the amount of salary minus the amount of advance to the bank account of the
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102/106 employee.
Claim 17. Financial demand response service system according to claim 15, wherein a bank server and a company server are connected over a network, where the provider server is the first means of processing information. transfer generates the amount of advance used from the electronic value information of the transferred advance as salary deduction data, in which the company server periodically or irregularly acquires salary deduction data from the first transfer processing medium, and asks the bank server to transfer the amount of salary minus the amount of advance to the employee's bank account.
Claim 18. Financial demand response service system according to any of claims 5 to 17, wherein the provider server includes an advance withdrawal unit for raising advances through crowdfunding, which includes the ability to transmit information on the financial demand response service and information on providing advances to an unspecified number of people through a network.
Claim 19. Provider server for a financial demand response service system to provide financial demand response services
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103/106 for employees belonging to a company having a company server to manage a credit limit and actual advance amount for employees, and an attendance management data server to manage attendance management data for employees on which the servers are connected through a network, the provider server in which it comprises:
an advanceable amount calculation unit that calculates an advanceable amount for an employee based on the maximum credit limit, as managed by the company server and attendance management data, as managed by the attendance management data server, a means of transfer processing that transfers electronic value information to the managed electronic account based on the amount of advance loaned to the employee within the range of the advance amount calculated from the managed account's electronic information, and an exit means it issues to the company server, the amount of advance loaned to the employee, where the company server calculates the maximum credit limit.
Claim 20. Method for providing a financial demand response service that provides financial demand response services to employees belonging to a company having a company server to manage a credit limit and advance payment amount for employees, and a attendance management data server to manage data
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104/106 employee service management, where the servers are connected through a network, the method comprising:
the provider server by conducting the steps of:
calculate an advanceable amount for an employee based on the maximum credit limit, as managed by the company server, and the attendance management data managed by the attendance management data server, transfer electronic value information based to the managed account the amount of advance loaned to the employee within the range of the advanceable amount calculated from the electronic information of the managed account, and issue to the company server the amount of advance loaned to the employee, in which the company server reflects the amount of advance actual amount of the advance by the provider server, and calculates the maximum credit limit based on the actual advance amount.
Claim 21. Provider server program to provide a financial demand response service that provides financial demand response services to employees who belong to a company and manage electronic value information management accounts for one or more employees having a company server that manages the credit limit for each employee, an attendance management data server to manage an employee's attendance management data, where the servers are
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105/106 connected through a network, the program in which it comprises:
have a computer conducting the steps of:
calculate an advanceable amount for an employee based on the maximum credit limit, as managed by the company server, and the attendance management data managed by the attendance management data server, transfer electronic value information to the managed account based the amount of advance loaned to the employee within the range of the advance amount calculated from the electronic information of the managed account, and issue to the company server, the advance amount loaned to the employee.
(Description of References)
Company
Service Provider
Employee (s)
Bank
Enterprise Server
Attendance management data server
Provider Server
20th Provider Server
21 unity in Communication 22 unity in Processing 23 unity in Storage 24 Bus input-output
30a Managed account (s)
30b Advance (Advance Fund)
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106/106
Employee Terminal
Bank Server
50a Bank account (s)
50b Advance (Advance Fund)
Network
100 Response Response Service System
Financial Demand
221 Service Management Data Acquisition Unit (time)
222 Calculation Unit
223 Automatic Billing Data Output Unit
224 Deduction Data Generation Unit
231 Employee Data
232 Payroll Table
233 Automatic Billing Data
234 Service management data
235 Company Table
236 Transferring Data

权利要求:
Claims (20)
[1]
1. Financial demand response service system to provide financial demand response services to employees belonging to a company, characterized by the fact that it comprises:
an enterprise server to manage a credit limit for each employee, an attendance management data server to manage employee attendance management data, a provider server to manage employee managed accounts, and a bank server to manage an employee bank account to which an employee's salary is transferred from the company, where the servers are connected over a network, and where the provider server comprises:
a unit of calculation that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information from an advance (borrowed from an advance fund) managed by a provider temporarily providing on behalf of the company based on the amount of the down payment, an automatic billing data output unit that performs a transfer processing of the transfer of electronic value information from the managed account to a bank account and
Petition 870190060095, of 06/27/2019, p. 9/26
[2]
2/17 means of exit that issues to the company server, the amount of advance loaned to the employee, transferring the electronic value information of the advance from a managed account to a bank account, in which the total advance amount for the employees of the same company does not exceed the company's total advance amount range for the company, as defined by the supplier.
2. Financial demand response service system according to claim 1, characterized by the fact that if a total advance amount for employees within a predetermined period of the same company exceeds the total advance amount range of the company, the automatic billing data output unit cancels the processing of transferring electronic value information of advances to bank accounts from managed accounts of employees of the company in which the total amount advanceable to employees exceeds the amount range total advance of the company.
[3]
3. Financial demand response service system, according to claim 1, characterized by the fact that the range of advanceable amount for the company is defined based on the company credit information in relation to a company credit , and the provider server includes a company credit management unit that manages company credit information.
[4]
4. Financial demand response service system according to claim 1,
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3/17 characterized by the fact that the provider server also includes a usage fee calculation unit that calculates a fee for using the financial demand response service based on the electronic value information of the advance transferred by the data output unit automatic billing, and a billing unit to bill a company or an employee for using the financial demand response service.
[5]
5. Financial demand response service system, according to claim 1, characterized by the fact that an employee terminal connected via a network and operated by an employee transmits selection information to automatically or manually transfer information electronic value of the advance from the managed account to the bank account, in which the provider server includes a service management data acquisition unit that receives service management data, in which when the management data acquisition unit service provider receives new service management data, the calculation unit calculates a new advanceable amount for an employee, transfers electronic value information from the advance managed by a provider temporarily providing on behalf of the company based on the new advanceable amount, and increases electronic value information o of the advance managed by the managed account and in which if the selection information transmitted in advance from the employee terminal instructs
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Desempenho Ί ο performance to be done automatically, when the electronic advance payment information increases, the automatic billing data output unit increases the electronic advance payment information from the managed account to the bank account within the increased range electronic value information of the advance.
[6]
6. Financial demand response service system, according to claim 5, characterized by the fact that if the employee terminal transmits transmission information to automatically transfer the electronic value information of the advance from the managed account to the bank account, information on whether to transfer a fixed amount or a floating amount that fluctuates at a floating rate set by the employee in advance is also transferred to the bank account, in which case where the information indicates that a fixed amount must be made, if the fixed amount is less than the increase in the electronic amount information of the down payment, the automatic collection data output unit transfers the electronic amount information of the corresponding down payment to only the fixed amount to the bank account, but if the amount information increased electronic payment of the advance is less than the fixed amount , the automatic charging data output unit transfers only the increased amount of the electronic advance payment information to the bank account, in which case the information indicates that the transfer must be made for a floating amount that fluctuates at a floating rate , the billing data output unit
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5/17 Automatic transfers the electronic advance payment information to the bank account in the amount obtained by multiplying the electronic advance information increased by the floating rate.
[7]
7. Financial demand response service system, according to claim 5, characterized by the fact that the calculation unit calculates a new amount of advance for the employee when the service management data acquisition unit receives attendance management data.
[8]
8. Financial demand response service system, according to claim 5, characterized by the fact that if the selection information transmitted in advance from the employee terminal was selected to be executed manually, when the instruction information of transfer from the employee terminal are received to transfer a predetermined amount to the bank account, the automatic billing data output unit transfers to the bank account electronic advance information corresponding to the predetermined amount in the transfer instruction information based on the electronic value information of the advance of the management account.
[9]
9. Financial demand response service system, according to claim 1, characterized by the fact that the provider server resets the electronic value information of the advance that remains in the managed account as the payroll closing date company, a closing date for the
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6/17 individual as determined by the company, or a common closing date for all companies, and has a deduction data generation unit that generates an amount corresponding to the electronic value information of the advance transferred to the bank account by the output of automatic billing data as salary deduction data, and where the company server periodically or irregularly acquires the salary deduction data from the deduction data generation unit to the bank server, and from the salary calculated on the basis of the employee's managed care management data, requests the execution of the transfer processing of the transfer amount minus the advance amount corresponding to the salary deduction data.
[10]
10. Financial demand response service system, according to claim 1, characterized by the fact that when carrying out the transfer processing to transfer the electronic value information of the advance from the managed account to the bank account, the unit outgoing automatic billing data transfers electronic value information to the bank account less a transfer processing fee.
[11]
11. Financial demand response service system to provide financial demand response services to employees belonging to a company, characterized by the fact that it comprises:
a company server to manage the credit limit for each employee, an attendance management data server
Petition 870190060095, of 06/27/2019, p. 14/26
Ί / 17 to manage employee attendance management data, a provider server that manages employee managed accounts, and a bank server to manage a bank account for employee card payments, where the servers are connected over a network , and where the provider server comprises:
a unit of calculation that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information for an advance managed by a provider temporarily providing on behalf of the company based in the down payment amount, an automatic billing data output unit that performs the transfer processing of the electronic information transfer of the advance from the managed account to the bank account and an exit medium that it issues to the company server, the amount of advance loaned to the employee by transferring the electronic advance payment information from a managed account to a bank account, where the total advance amount for employees of the same company does not exceed the company's total advance amount range for the company, as defined by the supplier.
[12]
12. Response response service system
Petition 870190060095, of 06/27/2019, p. 15/26
8/17 financial demand to provide financial demand response services to employees belonging to a company, characterized by the fact that it comprises:
an enterprise server to manage the credit limit for each employee, an attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts, and an electronic money server to manage the employee's electronic money;
where the servers are connected over a network, and where the provider server comprises:
a unit of calculation that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information for an advance managed by a provider temporarily providing on behalf of the company based in the advance amount, a unit of automatic billing data output that charges the employee's electronic money with electronic information about the advance in the managed account and an exit medium that issues to the company server the amount of advance loaned to the company employee by charging electronic advance payment information to a bank account from a managed account,
Petition 870190060095, of 06/27/2019, p. 16/26
9/17 where the total advance amount for employees of the same company does not exceed the company's total advance amount range for the company, as defined by the supplier.
[13]
13. Financial demand response service system to provide financial demand response services to employees belonging to a company, characterized by the fact that it comprises:
a company server to manage the credit limit for each employee, an attendance management data server to manage employee attendance management data, a provider server that manages employee managed accounts, and a virtual currency server to manage employee virtual currency accounts;
where the servers are connected over a network, and where the provider server comprises:
a unit of calculation that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information for an advance managed by a provider temporarily providing on behalf of the company based in the amount of advance, an automatic billing output unit that performs a transfer processing of the transfer of electronic value information from the
Petition 870190060095, of 06/27/2019, p. 17/26
10/17 advance from a managed account to a virtual currency account, and an exit medium that issues to the company server, the amount of advance loaned to the employee when transferring the electronic value information of the advance from a managed account for a virtual currency account, where the total advance amount for the employees of the same company does not exceed the company's total advance amount range for the company, as defined by the supplier.
[14]
14. Financial demand response service system according to any one of claims 1, 11, 12 or 13, characterized by the fact that the provider server includes an advance withdrawal unit to collect advances through crowdfunding which includes the ability to transmit information about the financial demand response service and information about providing advances to an unspecified number of people over a network.
[15]
15. Provider server for a financial demand response service system to provide financial demand response services to employees belonging to a company that has a company server to manage each employee's credit limit, a data server attendance management to manage employee attendance management data, a provider server that manages employee managed accounts, and a bank server to manage a bank account in which the employee's salary
Petition 870190060095, of 06/27/2019, p. 18/26
11/17 is transferred from the company in which the servers are connected via a network, the provider server characterized by the fact that it comprises:
a unit of calculation that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information for an advance managed by a provider temporarily providing on behalf of the company based in the down payment amount, an outgoing unit of automatic billing data that performs a transfer processing of the transfer of electronic value information from the managed account to a bank account, and an outbound medium that it issues to the company server , the amount of advance loaned to the employee when transferring electronic advance payment information from a managed account to a bank account, where the total advance amount for employees of the same company does not exceed the total advance amount range from company to company, as defined by the supplier.
[16]
16. Provider server for a financial demand response service system to provide financial demand response services to employees belonging to a company that has a company server to manage each employee's credit limit, a data server attendance management for
Petition 870190060095, of 06/27/2019, p. 19/26
12/17 manage employee attendance management data, a provider server that manages employee managed accounts, and a bank server to manage a bank account for employee card payment where servers are connected over a network, the provider server characterized by the fact that it comprises:
a unit of calculation that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information for an advance managed by a provider temporarily providing on behalf of the company based in the amount of the down payment, an automatic billing data output unit that performs the transfer processing of the transfer of electronic value information from the managed account to the bank account, and an outbound medium that it issues to the company server, the amount of advance loaned to the employee when transferring the electronic advance payment information from a managed account to a bank account, where the total advance amount for employees of the same company does not exceed the total advance amount range of the company to company as defined by the supplier .
[17]
17. Provider server for a financial demand response service system to provide financial demand response services to employees
Petition 870190060095, of 06/27/2019, p. 20/26
13/17 belonging to a company that has a company server to manage each employee's credit limit, an attendance management data server to manage employee attendance management data, a provider server that manages the managed accounts of employees employees, and an electronic money server to manage the electronic money of the employee in which the servers are connected through a network, the provider server characterized by the fact that it comprises:
a unit of calculation that calculates an advanceable amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information for an advance managed by a provider temporarily providing on behalf of the company based in the down payment amount, an outgoing unit of automatic billing data that charges for the down payment employee's electronic cash electronic information information in the managed account, and an outbound means that issues the down payment amount to the company server loaned to the employee by charging electronic advance payment information to a bank account from a managed account, where the total advance amount for employees of the same company does not exceed the company's total advance amount range for the company , as defined by the supplier.
[18]
18. Provider server for a service service system
Petition 870190060095, of 06/27/2019, p. 21/26
14/17 providing financial demand response to provide financial demand response services to employees belonging to a company that has a company server to manage each employee's credit limit, an attendance management data server to manage data employee attendance management, a provider server that manages employee managed accounts, and a virtual currency server to manage employee virtual currency accounts where servers are connected over a network, the provider server characterized by the fact that comprises: a unit of calculation that calculates an advance amount for an employee based on a credit limit amount and attendance management data and transfers and manages electronic value information for an advance managed by a provider temporarily providing on behalf of the company based on the amount of deferment ntamento, an automatic billing data output unit that performs a transfer processing of the transfer of electronic value information from the advance of a managed account to a virtual currency account, and an output medium that it issues to the company server, the amount of advance loaned to the employee when transferring electronic advance payment information from a managed account to a virtual currency account, where the total advance amount for employees in the same company does not exceed the amount range of
Petition 870190060095, of 06/27/2019, p. 22/26
15/17 total company advance to the company, as defined by the supplier.
[19]
19. Method to provide a financial demand response service that provides financial demand response services to employees belonging to a company that owns you, a company server that manages the credit limit for each employee, a data server for attendance management to manage employee attendance management data, a provider server that manages employee managed accounts, and a bank server that manages a bank account in which the employee's salary is transferred from the company where the servers are connected through a network, the method characterized by the fact that it comprises:
the provider server by conducting the steps of:
calculate an advance amount for an employee based on a credit limit amount and attendance management data and transfer and manage electronic value information for an advance managed by a provider temporarily providing on behalf of the company based on the amount of the advance, transfer the electronic advance payment information from the managed accounts to the bank account and send the advance amount loaned to the employee to the company server by transferring the electronic advance payment information from the managed account to the bank account, where the total advance amount for employees of the same company does not exceed the
Petition 870190060095, of 06/27/2019, p. 23/26
16/17 total company advance to the company, as defined by the supplier.
[20]
20. Provider server program to provide a financial demand response service that provides financial demand response services to employees belonging to a company that has a company server that manages the credit limit for each employee, a service server attendance management data to manage employee attendance management data, a provider server that manages employee managed accounts, and a bank server that manages a bank account to which the employee's salary is transferred from the company to which the servers are connected through a network, the program characterized by the fact that it comprises:
have a computer conducting the steps of:
calculate an advance amount for an employee based on a credit limit amount and attendance management data, and transfer and manage electronic value information from an advance managed by a provider temporarily providing on behalf of the company based on the advance amount , transfer the advance payment electronic information from the managed accounts to the bank account, and send the advance amount loaned to the employee to the company server when transferring the advance electronic payment information from the managed account to the bank account, where the total advance amount for employees
Petition 870190060095, of 06/27/2019, p. 24/26
17/17 of the same company does not exceed the company's total advance amount range for the company, as defined by the supplier.

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同族专利:

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公开号 | 公开日

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RU2724646C1|2020-06-25|

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KR20190093674A|2019-08-09|

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MA46167B1|2020-06-30|

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CN110199311A|2019-09-03|

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JP6332715B2|2018-05-30|

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CA3048586A1|2018-07-05|

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KR102090039B1|2020-03-17|

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PE20191287A1|2019-09-20|

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WO2018123173A1|2018-07-05|

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SG10202103822UA|2021-05-28|

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CL2019001814A1|2020-02-14|

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MA46167A1|2019-10-31|

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AU2017389212A1|2019-08-15|

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CO2019008049A2|2019-10-21|

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JP2017191595A|2017-10-19|

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MX2019007927A|2019-10-21|

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JP2018026183A|2018-02-15|

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PH12019501474A1|2020-03-09|

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EP3564893A4|2020-06-10|

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JP6249506B2|2017-12-20|

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US20200242581A1|2020-07-30|

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US11010746B2|2021-05-18|

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TW201824133A|2018-07-01|

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EP3564893A1|2019-11-06|

---

US20210272094A1|2021-09-02|

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2020-07-07| B09B| Patent application refused [chapter 9.2 patent gazette]|

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2020-10-06| B12B| Appeal against refusal [chapter 12.2 patent gazette]|

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2021-10-13| B350| Update of information on the portal [chapter 15.35 patent gazette]|

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