JP2009075925A

JP2009075925A - Salary payment management server and computer program

Info

Publication number: JP2009075925A
Application number: JP2007245231A
Authority: JP
Inventors: Yukio Okazaki; 行雄岡崎; Tomohiko Masuda; 智彦桝田
Original assignee: Promise Co Ltd
Current assignee: Promise Co Ltd
Priority date: 2007-09-21
Filing date: 2007-09-21
Publication date: 2009-04-09

Abstract

<P>PROBLEM TO BE SOLVED: To allow for borrowing within the specified limit when exceeding payable limit as salary. <P>SOLUTION: A salary payment management server comprises a sum of money comparing means 15 which compares a wanted dispensing amount with a balance salary, a credit determination means 17 which determines credit of a laborer who wants dispensing if a wanted dispensing amount is determined to be larger than the balance salary by the sum of money comparing means 15, and a dispensing amount deciding means 16 which adds the difference between the wanted dispensing amount and the balance salary to the balance salary, which is determined as a dispensing amount, within the limit of borrowing provided by the credit determination means 17. As a result, the sum of money which a laborer can withdraw is not limited to the salary corresponding to service days, allowing withdrawal up to the limit of borrowing provided by the credit determination means 17. Consequently, such trouble as a wanted sum of money cannot been withdrawn becomes less, regardless of pay day. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

本発明は、労働者への給与支払いを管理する給与支払い管理サーバ、該給与支払い管理サーバに導入されるコンピュータプログラムに関する。 The present invention relates to a salary payment management server that manages salary payments to workers, and a computer program installed in the salary payment management server.

近年、企業等に勤務する労働者として、正社員以外のパート、アルバイト、派遣社員等の非常勤、短期契約の勤務形態が増加してきている。このような中でも、パート、アルバイト、派遣社員等への給与の支払いは、正社員と同様、週払い、月払いといったある程度まとまった期間毎に、予め決められた給与支払日に支給されるのが通常である。ところが、給与支払日は、勤務先によって異なる場合も多く、正社員と比較した場合に、短期に勤務先の変わることが多い、パート、アルバイト、派遣社員等が、安定した生計を営んでいくためには、給与支払日前に給与を受け取るいわゆる前借りを必要とする場面も多い。しかるに、企業にとって前借り要請が増えると、それに伴って事務負担が増大するという問題がある。一方、給与支払いを日払い契約にすることも行われているが、勤務先企業が毎日給与計算を行い、銀行に毎日給与の振り込み手続を行うことは大きな負担である。 In recent years, part-time workers such as non-regular employees, part-time workers, temporary workers, etc., and working styles of short-term contracts are increasing as workers working in companies. Under these circumstances, salary payments to part-time workers, part-time workers, temporary employees, etc., are usually paid on a predetermined salary payment date every week, such as weekly payments or monthly payments, as with regular employees. is there. However, salary payment dates often vary depending on the place of work, and when compared to regular employees, the place of work often changes in the short term, so that part-time workers, temporary workers, etc. can live a stable livelihood. In many cases, so-called borrowing is required to receive salary before the salary payment date. However, there is a problem that the administrative burden increases as the demand for advance borrowing increases. On the other hand, a daily payment contract is also made for salary payments, but it is a great burden for the employer company to calculate daily salary and perform daily salary transfer procedures to the bank.

このような点に鑑み、特許文献１では、派遣社員等の行った作業が完了したことを把握したならば、銀行等の金融機関が、所定の給与支払日に、派遣元企業に代わって給与相当額の支払いを実行し、派遣元企業又は派遣社員等から当該サービスについての手数料を金融機関が受け取る仕組みが開示されている。また、特許文献２及び特許文献３には、派遣社員等の勤務日数等に応じて得られるべき給与を計算し、給与支払日以前においても、既勤務日数に応じた給与の範囲内の金額を引き出し可能にしたシステムが開示されている。
特開２００３−１６２３７号公報特許第３６８５７８８号公報特許第３８５７２７９号公報 In view of these points, in Patent Document 1, if it is understood that the work performed by the temporary staff has been completed, a financial institution such as a bank pays a salary on behalf of the dispatching company on a predetermined salary payment date. A mechanism is disclosed in which a financial institution receives a fee for the service from a dispatching company or a temporary employee, etc., after paying a considerable amount. In Patent Document 2 and Patent Document 3, the salary that should be obtained according to the number of working days of temporary employees, etc. is calculated, and the amount within the range of salary according to the number of working days is calculated even before the salary payment date. A system that allows for withdrawal is disclosed.
JP 2003-16237 A Japanese Patent No. 3685788 Japanese Patent No. 3857279

特許文献１〜特許文献３に記載の技術によれば、銀行等の金融機関が派遣元企業等に代わって給与支払い事務を行うことになるため、週払い、月払いの場合はもとより、日払いであっても派遣元企業等における事務負担は大幅に軽減される。また、特許文献２及び特許文献３の技術によれば、派遣社員等が給与支払日に限らず、任意のタイミングで給与を引き出すことが可能になる。しかしながら、いずれの場合も、引出可能な金額は、派遣社員等の既勤務日数に応じて支払われるべき給与の範囲に限られる。 According to the technologies described in Patent Documents 1 to 3, financial institutions such as banks will perform salary payments on behalf of the dispatching company, etc. Even so, the administrative burden on the dispatching company will be greatly reduced. Further, according to the techniques of Patent Document 2 and Patent Document 3, it is possible for a temporary employee or the like to withdraw salary at any timing, not limited to the salary payment date. However, in any case, the amount that can be withdrawn is limited to the range of salary that should be paid according to the number of working days of a temporary employee or the like.

一方、消費者金融等のいわゆるキャッシングサービスを利用して、必要な金額の借入れを行うことも近年普及してきており、給与支払日が到来するまでの期間、キャッシングを利用することも行われている。しかし、キャッシング限度額（借入枠）は、通常、個人の属性（年齢、性別、年収等）から判定されるだけであり、当該個人の勤務実績が反映されたものではない。特に、正社員以外の、上記派遣社員等の場合には、個人の勤務実績を把握することや評価することが難しく、勤務実績を考慮して借入枠を判定することは行われていない。 On the other hand, borrowing of the necessary amount using so-called cashing services such as consumer finance has become widespread in recent years, and cashing is also used until the salary payment date arrives. . However, the cashing limit (borrowing allowance) is usually only determined from the individual attributes (age, gender, annual income, etc.), and does not reflect the work performance of the individual. In particular, in the case of the above-mentioned temporary employees other than full-time employees, it is difficult to grasp and evaluate an individual's work performance, and the borrowing limit is not determined in consideration of the work performance.

本発明は上記に鑑みなされたものであり、出金額が給与として支給可能な範囲内であるか否かを判定し、給与として支給可能な範囲を超える場合に、所定の借入枠の範囲内での借入を可能とし、給与支払日であるか否かに拘わらず、必要な金額の引き出しを容易にし、給与の支払い機能に加えてキャッシング機能を兼ね備えた給与支払い管理サーバ及び該給与支払い管理サーバに導入されるコンピュータプログラムを提供することを課題とする。また、本発明は、パート、アルバイト、派遣社員等の非常勤、短期契約の労働者への給与の支払い及び借入に適する給与支払い管理サーバ及びコンピュータプログラムを提供することを課題とする。 The present invention has been made in view of the above, and it is determined whether or not the amount to be paid is within a range that can be paid as salary. A salary payment management server having a cashing function in addition to a salary payment function and a salary payment management server. It is an object to provide a computer program to be introduced. Another object of the present invention is to provide a salary payment management server and a computer program suitable for paying and borrowing salary to workers who are part-time workers such as part-time workers, temporary workers, and temporary workers, and short-term contract workers.

上記課題を解決するため、請求項１記載の本発明では、現金支払機に通信手段を介して接続され、
労働者に関する情報を管理する労働者情報データベースと、前記労働者が関与する企業に関する情報を管理する企業情報データベースと、現金支払機から入力された労働者を特定するための労働者情報と出金希望金額を受信する現金支払機入力情報受信手段と、前記現金支払機に、所定の金額を出金させるための出金額情報を送信する出金額情報送信手段とを備えた給与支払い管理サーバであって、
前記現金支払機入力情報受信手段により受信した労働者情報を用いて前記労働者情報データベースから未出金の残給与情報を読み出し、当該残給与と前記出金希望金額とを比較する金額比較手段と、
前記金額比較手段により、前記出金希望金額が前記残給与以下と判定された場合に、当該出金希望金額を前記出金額情報として決定し、前記出金額情報送信手段に受け渡す出金額決定手段と
を備える一方、
さらに、前記労働者の与信を判定する与信判定手段を有し、
前記金額比較手段により、前記出金希望金額が前記残給与よりも大きいと判定された場合には、前記与信判定手段によって前記労働者の与信を判定し、前記出金額決定手段は、前記出金希望金額と残給与との差額を、前記与信判定手段により求められた借入枠の範囲で、前記残給与に付加し、この付加した金額を前記出金額情報として決定し、前記出金額情報送信手段に受け渡す構成であることを特徴とする給与支払い管理サーバを提供する。
請求項２記載の本発明では、前記労働者情報データベースには、労働者の属性、未出金の残給与、給与支払い口座番号、給与支払日、与信判定手段によって求められる借入枠、既借入金、労働者の特定期間における収入、労働者の勤務状況に関する派遣先企業又は派遣元企業における勤務状況評価に関する情報が記憶されていることを特徴とする請求項１記載の給与支払い管理サーバを提供する。
請求項３記載の本発明では、前記企業情報データベースとして、労働者の派遣先企業の企業規模及び業績が記憶された派遣先企業データベースと、労働者の派遣元企業の企業規模及び業績が記憶された派遣元企業データベースとを備えることを特徴とする請求項１又は２記載の給与支払い管理サーバを提供する。
請求項４記載の本発明では、前記与信判定手段は、労働者の属性に基づいた属性評価、既借入金情報に基づいた信用情報評価のうち、少なくとも一つの評価を用いて各労働者の基礎評価を求める基礎評価確定手段と、
労働者の勤務実績に基づいた特定期間における収入評価、労働者の勤務状況に関する派遣先企業又は派遣元企業における勤務状況評価、企業規模及び業績に基づいて評価した派遣先企業評価、企業規模及び業績に基づいて評価した派遣元企業評価のうち、少なくとも一つの評価を用いて各労働者の勤務実績評価を求める勤務実績評価確定手段と
を有し、
前記基礎評価確定手段により求められた基礎評価と前記勤務実績評価確定手段により求められた勤務実績評価のうち、少なくとも一方を用いて労働者の与信を判定することを特徴とする請求項１〜３のいずれか１に記載の給与支払い管理サーバを提供する。
請求項５記載の本発明では、前記勤務実績評価確定手段は、勤務実績評価を、前記収入評価に勤務状況評価を加味し、これに、前記派遣先企業評価及び派遣元企業評価のいずれか少なくとも一方を加味して求めることを特徴とする請求項４記載の給与支払い管理サーバを提供する。
請求項６記載の本発明では、さらに、前記労働者情報データベースから、未出金の残給与情報を読み出し、給与支払日において残給与が存在する場合に、当該労働者の給与支払い口座に当該残給与の振り込み指示を行う給与振り込み手段を備えることを特徴とする請求項１〜５のいずれか１に記載の給与支払い管理サーバを提供する。
請求項７記載の本発明では、労働者に関する情報を管理する労働者情報データベースと、前記労働者が関与する企業に関する情報を管理する企業情報データベースとを備え、現金支払機に通信手段を介して接続された給与支払い管理サーバに導入され、前記現金支払機に、所定の金額を出金させるための出金額情報を送信させるコンピュータプログラムであって、
現金支払機から入力された労働者を特定するための労働者情報と出金希望金額を受信する現金支払機入力情報受信手段と、
前記現金支払機に、所定の金額を出金させるための出金額情報を送信する出金額情報送信手段と、
前記現金支払機入力情報受信手段により受信した労働者情報を用いて前記労働者情報データベースから未出金の残給与情報を読み出し、当該残給与と前記出金希望金額とを比較する金額比較手段と、
前記金額比較手段により、前記出金希望金額が前記残給与以下と判定された場合に、当該出金希望金額を前記出金額情報として決定し、前記出金額情報送信手段に受け渡す出金額決定手段と
を備える一方、
さらに、前記労働者の与信を判定する与信判定手段を有し、
前記金額比較手段により、前記出金希望金額が前記残給与よりも大きいと判定された場合には、前記与信判定手段によって前記労働者の与信を判定し、前記出金額決定手段は、前記出金希望金額と残給与との差額を、前記与信判定手段により求められた借入枠の範囲で、前記残給与に付加し、この付加した金額を前記出金額情報として決定し、前記出金額情報送信手段に受け渡す構成であることを特徴とするコンピュータプログラムを提供する。
請求項８記載の本発明では、前記与信判定手段は、労働者の属性に基づいた属性評価、既借入金情報に基づいた信用情報評価のうち、少なくとも一つの評価を用いて各労働者の基礎評価を求める基礎評価確定手段と、
労働者の勤務実績に基づいた特定期間における収入評価、労働者の勤務状況に関する派遣先企業又は派遣元企業における勤務状況評価、企業規模及び業績に基づいて評価した派遣先企業評価、企業規模及び業績に基づいて評価した派遣元企業評価のうち、少なくとも一つの評価を用いて各労働者の勤務実績評価を求める勤務実績評価確定手段と
を有し、
前記基礎評価確定手段により求められた基礎評価と前記勤務実績評価確定手段により求められた勤務実績評価のうち、少なくとも一方を用いて労働者の与信を判定することを特徴とする請求項７記載のコンピュータプログラムを提供する。
請求項９記載の本発明では、前記勤務実績評価確定手段は、勤務実績評価を、前記収入評価に勤務状況評価を加味し、これに、前記派遣先企業評価及び派遣元企業評価のいずれか少なくとも一方を加味して求めることを特徴とする請求項８記載のコンピュータプログラムを提供する。
請求項１０記載の本発明では、さらに、前記労働者情報データベースから、未出金の残給与情報を読み出し、給与支払日において残給与が存在する場合に、当該労働者の給与支払い口座に当該残給与の振り込み指示を行う給与振り込み手段を備えることを特徴とする請求項７〜９のいずれか１に記載のコンピュータプログラムを提供する。 In order to solve the above problem, in the present invention according to claim 1, the cash payment machine is connected via a communication means,
Worker information database for managing information on workers, company information database for managing information on companies involved in the workers, and worker information and withdrawals for identifying workers input from cash dispensers A salary payment management server comprising: a cash machine input information receiving unit for receiving a desired amount; and a withdrawal information transmitting unit for transmitting withdrawal information for causing the cash machine to withdraw a predetermined amount. And
Amount comparison means for reading the remaining salary information of unpaid from the worker information database using the worker information received by the cash dispenser input information receiving means, and comparing the remaining salary with the desired withdrawal amount ,
Withdrawal amount determination means for determining the desired withdrawal amount as the withdrawal amount information and delivering it to the withdrawal amount information transmitting means when the withdrawal amount is determined to be equal to or less than the remaining salary by the amount comparison means While comprising
Furthermore, it has a credit judgment means for judging the credit of the worker,
When the amount comparison means determines that the desired withdrawal amount is greater than the remaining salary, the credit determination means determines the worker's credit, and the withdrawal amount determination means The difference between the desired amount and the remaining salary is added to the remaining salary within the range of the borrowing frame determined by the credit judgment unit, and the added amount is determined as the amount information, and the amount information transmitting unit A salary payment management server is provided, which is characterized in that it is configured to deliver to a client.
In the present invention according to claim 2, in the worker information database, the attributes of workers, the remaining salary of unpaid, salary payment account number, salary payment date, borrowing frame determined by credit judging means, already borrowed money, The salary payment management server according to claim 1, wherein information relating to a worker's income during a specific period, information on a work status evaluation at a dispatch destination company or a dispatch source company regarding a worker's work status is stored.
In the third aspect of the present invention, as the company information database, a dispatch destination company database storing the company size and performance of a worker dispatching company and a company scale and performance of a worker dispatching company are stored. The salary payment management server according to claim 1 or 2, further comprising a dispatching company database.
In this invention of Claim 4, the said credit determination means uses at least 1 evaluation among the attribute evaluation based on the attribute of a worker, and the credit information evaluation based on existing borrowed information, and each worker's basic evaluation A basic evaluation confirmation means for
Revenue evaluation in a specific period based on the work performance of the worker, evaluation of the work situation of the dispatched company or the dispatched company regarding the work status of the worker, evaluation of the dispatched company based on the company size and performance, company size and performance A work performance evaluation confirmation means for obtaining a work performance evaluation of each worker using at least one evaluation of the dispatching company evaluation evaluated based on
The worker's credit is determined by using at least one of the basic evaluation obtained by the basic evaluation confirmation means and the work performance evaluation obtained by the work performance evaluation confirmation means. The salary payment management server according to any one of the above is provided.
In this invention of Claim 5, the said work performance evaluation confirmation means considers work performance evaluation in consideration of the work condition evaluation to the said income evaluation, and, to this, at least any one of the said dispatch destination company evaluation and a dispatch source company evaluation 5. A salary payment management server according to claim 4, wherein one of the two is calculated.
According to the sixth aspect of the present invention, when the remaining salary information of unpaid is read from the worker information database, and the remaining salary exists on the salary payment date, the remaining salary is stored in the salary payment account of the worker. The salary payment management server according to any one of claims 1 to 5, further comprising salary transfer means for issuing a salary transfer instruction.
The present invention according to claim 7 comprises a worker information database for managing information on workers and a company information database for managing information on companies with which the workers are involved, and is connected to the cash dispenser via communication means. A computer program that is introduced into a connected payroll management server and causes the cash payment machine to send out withdrawal amount information for withdrawing a predetermined amount,
Cash payment machine input information receiving means for receiving worker information input from the cash payment machine and a desired withdrawal amount;
Withdrawal amount information transmitting means for transmitting withdrawal amount information for causing the cash payment machine to withdraw a predetermined amount;
Amount comparison means for reading the remaining salary information of unpaid from the worker information database using the worker information received by the cash dispenser input information receiving means, and comparing the remaining salary with the desired withdrawal amount ,
Withdrawal amount determination means for determining the desired withdrawal amount as the withdrawal amount information and delivering it to the withdrawal amount information transmitting means when the withdrawal amount is determined to be equal to or less than the remaining salary by the amount comparison means While comprising
Furthermore, it has a credit judgment means for judging the credit of the worker,
When the amount comparison means determines that the desired withdrawal amount is greater than the remaining salary, the credit determination means determines the worker's credit, and the withdrawal amount determination means The difference between the desired amount and the remaining salary is added to the remaining salary within the range of the borrowing frame determined by the credit judgment unit, and the added amount is determined as the amount information, and the amount information transmitting unit A computer program characterized by having a configuration of delivering to a computer is provided.
In this invention of Claim 8, the said credit determination means uses the at least one evaluation among the attribute evaluation based on the attribute of the worker and the credit information evaluation based on the existing borrowed information, and the basic evaluation of each worker. A basic evaluation confirmation means for
Revenue evaluation in a specific period based on the work performance of the worker, evaluation of the work situation at the dispatched company or the dispatched company regarding the work status of the worker, evaluation of the dispatched company based on the company size and performance, company size and performance A work performance evaluation confirmation means for obtaining a work performance evaluation of each worker using at least one evaluation of the dispatching company evaluation evaluated based on
8. The worker's credit is determined using at least one of the basic evaluation obtained by the basic evaluation confirmation means and the work performance evaluation obtained by the work performance evaluation confirmation means. Provide a computer program.
In this invention of Claim 9, the said work performance evaluation confirmation means considers work performance evaluation in consideration of the work condition evaluation in the said income evaluation, and to this, any one of the said dispatch destination company evaluation and dispatch company evaluation 9. A computer program according to claim 8, wherein the computer program is obtained by taking one into account.
In the present invention described in claim 10, when the remaining salary information of unpaid is read from the worker information database and there is a remaining salary on the salary payment date, the remaining salary information is stored in the salary payment account of the worker. The computer program according to any one of claims 7 to 9, further comprising salary transfer means for issuing a salary transfer instruction.

本発明は、出金希望金額と残給与を比較する金額比較手段を有し、金額比較手段によって出金希望金額が残給与よりも大きいと判定された場合に、出金を希望する労働者の与信を判定する与信判定手段を備えていると共に、与信判定手段により求められた借入枠の範囲内で、出金希望金額と残給与との差額を、残給与に付加して出金額として決定する出金額決定手段を備えている。この結果、労働者によって引出可能な金額は、既勤務日数に対応して得られる給与に限定されず、与信判定手段により求められた借入枠の範囲まで可能になるため、給与支払日であるか否かに拘わらず、必要な金額を引き出しできなくなるような事態に陥ることが少なくなる。また、給与の受け取りに加えて、キャッシングも一度に行うことが可能である点で、便利である。 The present invention has an amount comparison means for comparing the desired withdrawal amount and the remaining salary, and when the amount comparison means determines that the desired withdrawal amount is larger than the remaining salary, the worker who wants to withdraw A credit judgment means for judging credit is provided, and the difference between the desired withdrawal amount and the remaining salary is added to the remaining salary and determined as the withdrawal amount within the range of the borrowing limit determined by the credit judging means. Withdrawal amount determination means. As a result, the amount that can be withdrawn by the worker is not limited to the salary obtained corresponding to the number of working days, but can be extended to the range of the borrowing limit determined by the credit judgment means. Regardless of this, it will be less likely that you will not be able to withdraw the required amount. Also, it is convenient in that cashing can be performed at the same time in addition to receiving salary.

また、本発明は、与信判定手段として、各労働者の属性等に基づいた基礎評価を求める基礎評価確定手段と、各労働者の勤務実績評価を求める勤務実績評価確定手段とを備えた構成とすることが好ましい。これにより、勤務実績評価を踏まえて与信判定を行うことができるため、特に、パート、アルバイト、派遣社員等の非常勤、短期契約の労働者への与信判定がより正確になり、これらの労働者への借入枠の設定がより適切になる。 In addition, the present invention comprises, as credit judgment means, a basic evaluation confirmation means for obtaining a basic evaluation based on the attributes of each worker, and a work performance evaluation confirmation means for obtaining a work performance evaluation of each worker; It is preferable to do. This makes it possible to make credit judgments based on work performance evaluations, and in particular, credit judgments for part-time workers, part-time workers, temporary workers, etc., and workers with short-term contracts become more accurate. The setting of the borrowing facility becomes more appropriate.

以下、本発明の実施形態を図面に基づいて更に詳しく説明する。図１は、本発明の一の実施形態に係る給与支払い管理サーバ１０を用いた給与支払いの仕組みを説明するための模式図である。給与支払い管理サーバ１０は、専用の通信回線あるいはインターネット等の通信手段を介して、現金支払機２０、派遣先企業の管理コンピュータ３０、派遣元企業の管理コンピュータ４０、信用情報機関の管理コンピュータ５０等に接続されている。なお、ここでいう現金支払機２０は、現金引出機能のみのキャッシュディスペンサー（ＣＤ）、入金機能も備えたＡＴＭの双方を含む意味であり、いずれかに限定されるものではない。また、現金支払機２０の設置場所も限定されるものではない。 Hereinafter, embodiments of the present invention will be described in more detail with reference to the drawings. FIG. 1 is a schematic diagram for explaining a salary payment mechanism using a salary payment management server 10 according to an embodiment of the present invention. The salary payment management server 10 is connected to the cash payment machine 20, the management computer 30 of the dispatching company, the management computer 40 of the dispatching company, the management computer 50 of the credit information agency, etc. via a dedicated communication line or communication means such as the Internet. It is connected to the. Note that the cash dispenser 20 here is meant to include both a cash dispenser (CD) having only a cash withdrawal function and an ATM having a deposit function, and is not limited to any one. Moreover, the installation location of the cash payment machine 20 is not limited.

また、本実施形態の給与支払い管理サーバ１０による給与の支払いや借入の対象者である「労働者」とは、主として、勤務期間等が一人ずつ異なり、給与等の支払い業務に関する雇用者側の負担の大きい、パート、アルバイト、派遣社員等の非常勤、短期契約の労働者を指す。中でも、派遣社員という労働形態は、派遣社員自体は、派遣元企業の管理下におかれており、派遣元企業によって派遣先企業が指定され、派遣元企業から給与の支払いを受ける一方で、契約期間中は、派遣先企業に直接赴いて業務をこなす形態をとる。つまり、業務の遂行にあたっては、派遣先企業の正社員と変わるところがないにも拘わらず、給与の支払いを受ける場合には、派遣元企業の指示に従わなければならないという特殊な形態になっている。従って、本実施形態により、現金支払機２０から給与の支払い及び借入が可能になるということは、派遣社員が派遣先企業の近くの現金支払機２０においていつでも給与の受け取りや借入を行うことができることになり、給与を受け取るために派遣元企業に赴く必要がなくなるため、本実施形態の給与支払い管理サーバ１０は、このような派遣社員の給与支払いの管理に適用すると、派遣元企業、派遣社員共に便利である。もっとも、本実施形態の給与支払い管理サーバ１０及び現金支払機２０を用いての給与の支払いと借入の仕組みを、月締めで給与の付与を受けている通常の正社員に適用することも可能であり、その意味では、上記「労働者」とは、給与の支払いを受ける権利を有した者であればよく、派遣社員等に限定して解釈されるべきではない。但し、以下の説明では、本実施形態の適用により適する労働者として、主に「派遣社員」を例に挙げて説明する。 In addition, the “worker” who is the subject of salary payment or borrowing by the salary payment management server 10 of the present embodiment mainly has a different working period, etc., and the burden on the employer regarding salary payment work. This refers to part-time workers, part-time workers, temporary workers, etc. In particular, the labor form of a temporary employee is under the control of the temporary company, and the temporary company is designated by the temporary company and receives payment from the temporary company. During the period, it will take the form of visiting the dispatched company directly and doing the work. In other words, in performing business, there is no difference from a regular employee of a dispatched company, but when paying a salary, it is a special form that the instructions of the dispatched company must be followed. Therefore, according to the present embodiment, the payment and borrowing of the salary from the cash payment machine 20 is possible. The fact that the temporary employee can receive and borrow the salary at any time at the cash payment machine 20 near the dispatch destination company. Therefore, when the salary payment management server 10 according to the present embodiment is applied to such salary payment management of the temporary employee, both the temporary company and the temporary employee are required. Convenient. However, the salary payment management server 10 and the cash payment machine 20 according to the present embodiment can be applied to a regular full-time employee who is given a salary at the end of the month. In that sense, the above “worker” may be any person who has the right to receive salary payments and should not be interpreted as being limited to temporary workers. However, in the following description, “temporary employees” will be mainly described as an example of workers who are more suitable for application of the present embodiment.

給与支払い管理サーバ１０は、その記憶部に、労働者情報データベース（労働者情報ＤＢ）１１、企業情報データベース（企業情報ＤＢ）１２が形成されていると共に、現金支払機入力情報受信手段１３、出金額情報送信手段１４、金額比較手段１５、出金額決定手段１６、与信判定手段１７、給与振り込み手段１８、並びに、種々の情報の送受信を行う情報送受信手段１９等のコンピュータプログラムが設定されている。なお、コンピュータプログラムは、フレキシブルディスク、ハードディスク、ＣＤ−ＲＯＭ、ＭＯ（光磁気ディスク）、ＤＶＤ−ＲＯＭなどの記録媒体へ記憶させて提供することもできるし、通信回線を通じて伝送することも可能である。 The salary payment management server 10 has a worker information database (worker information DB) 11 and a company information database (company information DB) 12 formed in its storage unit, as well as a cash machine input information receiving means 13, Computer programs such as an amount information transmission unit 14, an amount comparison unit 15, a withdrawal amount determination unit 16, a credit determination unit 17, a salary transfer unit 18, and an information transmission / reception unit 19 that transmits and receives various types of information are set. The computer program can be provided by being stored in a recording medium such as a flexible disk, a hard disk, a CD-ROM, an MO (magneto-optical disk), a DVD-ROM, or can be transmitted through a communication line. .

労働者情報データベース１１には、労働者に関する種々の情報が記憶されている。具体的には、労働者である派遣社員の属性（氏名、年齢、性別、住所、電話番号、年収等）、派遣社員の勤務日数に対応して支給された給与の中から、未だ引き出さずに派遣社員の給与支払い口座に残っている残給与の金額、給与支払い口座番号（通常は銀行の口座番号）、予め派遣社員と派遣元企業との間で決められた給与支払日、後述の与信判定手段１７によって求められる当該派遣社員の借入枠、当該派遣社員がいずれかの金融機関から借入している既借入金情報、当該派遣社員の特定期間における収入、当該派遣社員の勤務状況に関する派遣先企業又は派遣元企業における勤務状況評価等が記憶されている。 The worker information database 11 stores various information related to workers. Specifically, it has not been withdrawn from the salary paid according to the attributes (name, age, gender, address, telephone number, annual income, etc.) of the temporary worker who is a worker and the working days of the temporary worker. The amount of the remaining salary remaining in the temporary employee's salary payment account, the salary payment account number (usually the bank account number), the salary payment date determined in advance between the temporary employee and the dispatching company, and credit check described below Borrowing allowance of the temporary employee required by the means 17, information on existing borrowing that the temporary employee has borrowed from any financial institution, income of the temporary employee for a specific period, a dispatched company regarding the working status of the temporary employee or The work situation evaluation etc. in the dispatching company are memorized.

上記の各情報のうち、派遣社員の既借入金情報は、本実施形態の給与支払い管理サーバ１０の情報送受信手段１９を介して信用情報機関の管理コンピュータ５０に問い合わせることにより得られ、その情報には、既借入金額、借入先の金融機関、返済状況、返済期間等が含まれる。 Among the above-mentioned information, the already borrowed information of the temporary employee is obtained by making an inquiry to the management computer 50 of the credit information agency through the information transmitting / receiving means 19 of the salary payment management server 10 of the present embodiment. , Including borrowing amount, borrowing financial institution, repayment status, repayment period, etc.

当該派遣社員の特定期間における収入、当該派遣社員の勤務状況に関する派遣先企業又は派遣元企業における勤務状況評価等については、情報送受信手段１９を介して、派遣先企業の管理コンピュータ３０又は派遣元企業の管理コンピュータ４０に問い合わせることにより得られる。「特定期間における収入」は、例えば、直近の過去１ヶ月というように限定し、その間における収入を勤務日数と日給から算出したものである。これにより、例えば、転職して間もない場合や、派遣先企業等の変更によって収入に変化が生じた場合などにおいて、現在の勤務実績に応じた収入評価が加味されることになる。「派遣先企業における勤務状況評価」とは、派遣先企業における上司等による当該派遣社員の評価を意味し、当該評価は、派遣先企業において、派遣先企業の管理コンピュータ３０に派遣社員ごとに入力されて記憶されており、情報送受信手段１９により、管理コンピュータ３０からこの情報を得て労働者情報データベース１１に記憶される。「派遣元企業における勤務状況評価」とは、当該派遣社員が派遣元企業に登録している登録日数と実際に派遣先企業に赴いて勤務した総勤務日数のことであり、これらについては派遣元企業の管理コンピュータ４０に入力されて記憶されており、上記と同様に情報送受信手段１９により管理コンピュータ４０からこの情報を得て、労働者情報データベース１１に記憶される。 For information regarding the temporary employee's income during a specific period, work status evaluation of the dispatched company or the dispatched company regarding the work status of the dispatched employee, the management computer 30 of the dispatched company or the dispatched company via the information transmission / reception means 19 It is obtained by making an inquiry to the management computer 40. “Income during a specific period” is, for example, limited to the last past month, and the income during that period is calculated from the number of working days and the daily salary. As a result, for example, in the case where it is shortly after a job change, or in the case where a change occurs in the income due to a change in the dispatched company, etc., the income evaluation according to the current work record is taken into account. “Working status evaluation at a dispatched company” means the evaluation of the dispatched employee by a supervisor at the dispatched company, and the evaluation is input to the management computer 30 of the dispatched company for each dispatched employee at the dispatched company. This information is obtained from the management computer 30 by the information transmitting / receiving means 19 and stored in the worker information database 11. “Evaluation of working conditions at the dispatching company” refers to the number of registered days that the temporary employee has registered with the dispatching company and the total number of working days actually visited by the dispatching company. The information is inputted to and stored in the management computer 40 of the company, and this information is obtained from the management computer 40 by the information transmission / reception means 19 and stored in the worker information database 11 as described above.

企業情報データベース１２は、派遣先企業データベース（派遣先企業ＤＢ）１２ａと派遣元企業データベース（派遣元企業ＤＢ）１２ｂとを備えてなる。派遣先企業データベース１２ａには、各派遣先企業の企業規模（従業員数、店舗数、業種等）、業績（売り上げ実績、利益等）などの情報が記憶されており、派遣元企業データベース１２ｂには、各派遣元企業の企業規模（派遣社員数、店舗数等）、業績（売り上げ実績、利益等）などの情報が記憶されている。これらの情報は、派遣先企業や派遣元企業と、本実施形態の給与支払い管理サーバ１０を運営する金融機関等の運営者との契約時に入力してもよいし、派遣先企業の管理コンピュータ３０又は派遣元企業の管理コンピュータ４０から、情報送受信手段１９を介して入手するようにしてもよい。 The company information database 12 includes a dispatch destination company database (dispatch destination company DB) 12a and a dispatch source company database (dispatch source company DB) 12b. The dispatch destination company database 12a stores information such as the company size (number of employees, number of stores, business types, etc.), business performance (sales results, profits, etc.) of each dispatch destination company, and the dispatch source company database 12b. In addition, information such as the company size (the number of dispatched employees, the number of stores, etc.), the performance (sales results, profits, etc.) of each dispatching company is stored. These pieces of information may be input at the time of contract between the dispatch destination company or the dispatch source company and an operator such as a financial institution that operates the salary payment management server 10 of the present embodiment, or the management computer 30 of the dispatch destination company. Alternatively, the information may be obtained from the management computer 40 of the dispatch source company via the information transmission / reception means 19.

現金支払機入力情報受信手段１３は、現金支払機２０から入力される労働者情報と出金希望金額を受信する。労働者情報は、当該労働者（派遣社員）を特定するための氏名等の属性情報である。労働者情報は、現金支払機２０の操作ボタンを用いて入力するようにしてもよいが、入力作業の省力化のため、通常は、これらの情報が入力された磁気記憶部やＩＣチップを備えたカードを派遣社員に付与しておき、このカードを利用して入力する。すなわち、このカードを現金支払機２０に挿入して暗証番号を入力すると当該属性情報が現金支払機２０から現金支払機入力情報受信手段１３に送信される。現金支払機入力情報受信手段１３は、当該属性情報を受信すると、労働者情報データベース１１にアクセスして、当該派遣社員を特定する。 The cash machine input information receiving means 13 receives worker information and a desired withdrawal amount input from the cash machine 20. The worker information is attribute information such as a name for identifying the worker (temporary worker). The worker information may be input using the operation buttons of the cash dispenser 20, but usually includes a magnetic storage unit and an IC chip to which the information is input in order to save the input work. The card is given to the temporary employee and entered using this card. That is, when this card is inserted into the cash dispenser 20 and a password is entered, the attribute information is transmitted from the cash dispenser 20 to the cash dispenser input information receiving means 13. When receiving the attribute information, the cash machine input information receiving means 13 accesses the worker information database 11 and identifies the temporary employee.

出金額情報送信手段１４は、出金額が確定したならば、現金支払機２０に確定した出金額に関する出金額情報を送信する。現金支払機２０は、この出金額情報を受信すると、当該出金額に対応する紙幣、硬貨を払い出す。 When the withdrawal amount is confirmed, the withdrawal amount information transmitting unit 14 transmits the withdrawal amount information regarding the confirmed withdrawal amount to the cash dispenser 20. When the cash dispenser 20 receives the withdrawal information, it pays out banknotes and coins corresponding to the withdrawal amount.

金額比較手段１５は、現金支払機入力情報受信手段１３により受信した出金希望金額を、労働者情報データベース１１から読み出した当該派遣社員の残給与と比較し、いずれが多いかを判定する。派遣社員の給与は、派遣社員の勤務が完了したことを、日ごとに、派遣社員又は派遣先企業からの連絡により派遣元企業が把握すると、その派遣社員に支払うべき１日当たりの給与データが、派遣元企業の管理コンピュータ４０から給与支払い管理サーバ１０に送信され、情報送受信手段１９により受信される（図８の工程Ｓ１０６参照）。情報送受信手段１９は、この給与データを労働者情報データベース１１に、当該派遣社員の残給与として反映させる。例えば、図２に示したように、最初に残給与０円からスタートして、１日目の勤務が完了し、その給与データを情報送受信手段１９が受信すると、１日分の給与（例えば、７，５００円）が入金され、それがそのまま１日目の残給与として反映される。次に、派遣社員が例えば７，０００円出金すると残給与は５００円となり、その後、２日目の給与が反映されると残給与は８，０００円となり、さらに、５，０００円引き出すと残給与が３，０００円というように、情報送受信手段１９によってこれらの情報が受信され、労働者情報データベース１１の残給与情報が順次更新されていく。 The amount comparison unit 15 compares the desired withdrawal amount received by the cash machine input information reception unit 13 with the remaining salary of the temporary worker read from the worker information database 11 and determines which is greater. As for the salary of the temporary employee, when the temporary agency company knows that the temporary employee's work has been completed by contact from the temporary employee or the temporary company, the daily salary data to be paid to the temporary employee is The information is transmitted from the management computer 40 of the dispatching company to the salary payment management server 10 and received by the information transmitting / receiving means 19 (see step S106 in FIG. 8). The information transmission / reception means 19 reflects this salary data in the worker information database 11 as the remaining salary of the temporary employee. For example, as shown in FIG. 2, when starting from the remaining salary of 0 yen and the work on the first day is completed and the salary data is received by the information transmission / reception means 19, the salary for one day (for example, 7,500 yen) is deposited, and this is reflected as it is as the remaining salary on the first day. Next, if the temporary employee withdraws 7,000 yen, for example, the remaining salary will be 500 yen, and if the salary on the second day is reflected, the remaining salary will be 8,000 yen, and if 5,000 yen is withdrawn Such information is received by the information transmission / reception means 19 so that the remaining salary is 3,000 yen, and the remaining salary information in the worker information database 11 is sequentially updated.

出金額決定手段１６は、出金額を決定し、その情報を出金額情報として上記出金額情報送信手段１４に受け渡す。具体的には、金額比較手段１５による比較の結果、出金希望金額が残給与以下と判定された場合に、当該出金希望金額をそのまま出金額として決定する。一方、金額比較手段１５によって出金希望金額が残給与を上回ると判定された場合には、後述の与信判定手段１７が稼働し、その後、出金額決定手段１６によって出金額が決定される。 The withdrawal amount determination means 16 determines the withdrawal amount and passes the information to the withdrawal amount information transmission means 14 as withdrawal amount information. Specifically, when it is determined that the desired withdrawal amount is equal to or less than the remaining salary as a result of the comparison by the amount comparison means 15, the desired withdrawal amount is determined as it is as the withdrawal amount. On the other hand, when it is determined by the amount comparison means 15 that the desired withdrawal amount exceeds the remaining salary, a credit determination means 17 described later is operated, and then the withdrawal amount determination means 16 determines the withdrawal amount.

与信判定手段１７は、金額比較手段１５によって出金希望金額が残給与を上回ると判定された場合に自動的に起動する構成としてもよいし、一旦、現金支払機２０に借入を希望するか否かの問い合わせ情報を送信し、その後、借入を希望する旨の情報を現金支払機入力情報受信手段１３が受信した場合に起動する構成としてもよい。 The credit determination means 17 may be configured to automatically start when the amount comparison means 15 determines that the desired withdrawal amount exceeds the remaining salary, and whether or not the cash payment machine 20 wishes to borrow once. It is good also as a structure which starts when the inquiry information is transmitted and the cash payment machine input information receiving means 13 receives the information to hope for borrowing after that.

与信判定手段１７は、基礎評価確定手段１７ａと勤務実績評価確定手段１７ｂとを備えて構成されている。基礎評価確定手段１７ａは、派遣社員の属性に基づいた属性評価と既借入金情報に基づいた信用情報評価のうち、少なくとも一つの評価を用いて各派遣社員の基礎評価を求める手段である。 The credit determination means 17 includes basic evaluation confirmation means 17a and work performance evaluation confirmation means 17b. The basic evaluation confirmation means 17a is a means for obtaining the basic evaluation of each temporary employee using at least one evaluation among the attribute evaluation based on the attribute of the temporary employee and the credit information evaluation based on the already borrowed information.

このうち、属性評価は、基礎評価確定手段１７ａが、労働者情報データベース１１から、当該派遣社員の属性（氏名、年齢、性別、住所、電話番号、年収等）を読み出して付与する評価である。本実施形態では、図３（ａ），（ｂ）に示したように、これらのうち、年齢と年収に基づいた評価を用いている。具体的には、年齢、年収に応じてポイントを付与し、その合計を属性評価の値である属性ポイントとしている。例えば、年齢ポイントは、２０〜２５歳が３点、２６〜３０歳が５点、３１〜３５歳が７点、３６〜５０歳が１０点等に設定し、年収ポイントは、２００万円未満が１点、２００万円以上２５０万円未満が２点、２５０万円以上３００万円未満が３点等に設定している。 Among these, the attribute evaluation is an evaluation in which the basic evaluation confirmation means 17a reads out and assigns the attributes (name, age, sex, address, telephone number, annual income, etc.) of the temporary employee from the worker information database 11. In this embodiment, as shown in FIGS. 3A and 3B, among these, evaluation based on age and annual income is used. Specifically, points are assigned according to age and annual income, and the total is attribute points that are attribute evaluation values. For example, the age point is set to 3 points for 20 to 25 years old, 5 points for 26 to 30 years old, 7 points for 31 to 35 years old, 10 points for 36 to 50 years old, and the annual income point is less than 2 million yen Is set to 1, 2 million yen to less than 2.5 million yen, 2 points to 2.5 million yen to less than 3 million yen.

信用情報評価は、既借入金情報に基づいた評価であり、基礎評価確定手段１７ａが、労働者情報データベース１１から既借入金情報を読み出し、既借入金の金額が０の場合はＡランク、１円以上１０万円の未満の場合はＢランク、借入先が３社以上の場合には金額に拘わらずＨランクといったようにランク付けをし、各ランクごとに決められたポイントを信用情報ポイント（図３（ｃ））として求めている。なお、上記したように、既借入金情報は、予め情報送受信手段１９によって、信用情報機関の管理コンピュータ５０から入手して労働者情報データベース１１に記憶されているが、基礎評価確定手段１７ａが信用情報評価を行う度に、信用情報機関の管理コンピュータ５０にアクセスして既借入金情報を入手する構成としてもよい。 The credit information evaluation is an evaluation based on the already borrowed information, and the basic evaluation confirmation means 17a reads the already borrowed information from the worker information database 11, and when the amount of the already borrowed is 0, the A rank is 1 yen or more 10 If it is less than 10,000 yen, rank it as B rank, and if the borrower is more than 3 companies, rank it as H rank regardless of the amount of money, and credit information points (Figure 3 ( c)). As described above, the already borrowed information is obtained from the management computer 50 of the credit information institution by the information transmitting / receiving means 19 and stored in the worker information database 11 in advance. It is good also as a structure which accesses the management computer 50 of a credit information organization, and acquires already borrowed information, whenever it evaluates.

属性評価と信用情報評価のいずれか一方を基礎評価として求めることも可能であるが、より正確な与信判定のために、属性評価と信用情報評価の両方を考慮し、上記した属性ポイントと信用情報ポイントとの合計値を基礎評価のポイント（基礎評価ポイント）として求める構成とすることが好ましい（図７参照）。 It is possible to obtain either the attribute evaluation or the credit information evaluation as a basic evaluation, but for more accurate credit judgment, consider both the attribute evaluation and the credit information evaluation. It is preferable that the total value with the points is determined as a basic evaluation point (basic evaluation point) (see FIG. 7).

例えば、派遣社員Ａさんが、年齢２８歳、年収４２０万円の場合には、図３（ａ），（ｂ）より、５点＋６点＝１１点が属性ポイントになる。既借入金が４０万円の場合は、図３（ｃ）より、信用情報評価はＤランクで信用情報ポイントは２５点になる。従って、派遣社員Ａさんの基礎評価ポイントは、１１点＋２５点＝３６点となる。 For example, when temporary employee A is 28 years old and has an annual income of 4.2 million yen, 5 points + 6 points = 11 points are attribute points from FIGS. 3 (a) and 3 (b). When the borrowed amount is 400,000 yen, the credit information evaluation is D rank and the credit information point is 25 points as shown in FIG. Therefore, the basic evaluation point for temporary employee A is 11 points + 25 points = 36 points.

勤務実績評価確定手段１７ｂは、派遣社員の勤務実績に基づいた特定期間における収入評価、派遣社員の勤務状況に関する派遣先企業又は派遣元企業における勤務状況評価、企業規模及び業績に基づいて評価した派遣先企業評価、企業規模及び業績に基づいて評価した派遣元企業評価のうち、少なくとも一つの評価を用いて各派遣社員の勤務実績評価を求める。特定期間（例えば、直近の過去１ヶ月）における収入評価、派遣先企業の当該派遣社員の勤務状況に関する派遣先企業における勤務状況評価、又は、派遣元企業における勤務状況評価は、上記した労働者情報データベース１１にアクセスして検出する。一方、派遣先企業評価及び派遣元企業評価は、それぞれ、企業情報データベース１２の派遣先企業データベース１２ａ、派遣元企業データベース１２ｂから検出する。 The service performance evaluation confirmation means 17b is a revenue evaluation for a specific period based on the service performance of the temporary employee, a service status evaluation of the dispatched company or the service company regarding the service status of the temporary employee, and a dispatch evaluated based on the company size and performance. At least one of the evaluations of the former company evaluated based on the previous company evaluation, the company size, and the business performance is used to evaluate the work performance of each temporary employee. Revenue evaluation in a specific period (for example, the last past month), work status evaluation at the dispatched company regarding the work status of the dispatched company, or work status evaluation at the dispatched company The database 11 is accessed and detected. On the other hand, the dispatch destination company evaluation and the dispatch source company evaluation are detected from the dispatch destination company database 12a and the dispatch source company database 12b of the company information database 12, respectively.

そして、収入評価、勤務状況評価、派遣先企業評価、派遣元企業評価は、いずれもポイント化し、それらのうちのいずれか一つ又は二つ以上の合計値を勤務実績評価のポイント（勤務実績評価ポイント）として求める。 Then, income evaluation, work status evaluation, dispatched company evaluation, and dispatched company evaluation are all converted into points, and the total value of any one or more of them is the point of work performance evaluation (work performance evaluation As point).

例えば、図４に示したように、過去１ヶ月における収入（月収）が１０万円未満は１点、１０万円以上１５万円未満は３点、１５万円以上２０万円未満は５点等とし、これを収入評価についてのポイント（収入評価ポイント）とする。勤務実績評価ポイントも、基礎評価ポイントと同様に複数の指標を考慮するのがより正確な与信判定のために適切である。そこで、勤務実績評価ポイントの算出にあたっては、図５に示したように、収入評価ポイントに、派遣先企業に関連する指標を合計して算出したり、あるいは、図６に示したように、収入評価ポイントに、派遣元企業に関連する指標を合計して算出したりすることが好ましい。図５では、例えば、派遣先企業の従業員数１０名未満又は売上げ３億円未満のいずれかに該当する場合には１点、従業員数１０名以上１００名未満又は売上げ３億円以上３０億円未満のいずれかに該当する場合には２点といったようなポイント（派遣先企業評価ポイント）を付与し（図５（ａ））、派遣先企業における当該派遣社員の勤務状況評価が「Ａ」評価の場合には５点、「Ｂ」評価の場合には４点といったポイント（勤務状況評価ポイント）を付与している（図５（ｂ））。例えば、派遣社員Ａさんの直近の月収が２５万円、Ａさんの派遣先企業の従業員数が３００名、勤務状況評価が「Ｂ」評価の場合には、図４及び図５（ａ），（ｂ）より、７点＋３点＋４点＝１４点が勤務実績評価ポイントになる。 For example, as shown in FIG. 4, if the income (monthly income) in the past month is less than 100,000 yen, it is 1 point, 3 points for 100,000 yen or more and less than 150,000 yen, 5 points for 150,000 yen or more and less than 200,000 yen. This is the point for income evaluation (revenue evaluation points). For work performance evaluation points, it is appropriate for more accurate credit judgment to consider a plurality of indicators in the same way as basic evaluation points. Therefore, in calculating the work performance evaluation points, as shown in FIG. 5, the income evaluation points are calculated by adding the indicators related to the dispatched company, or as shown in FIG. It is preferable that the evaluation points are calculated by summing up indexes related to the dispatching company. In Figure 5, for example, if the number of employees of the dispatched company is less than 10 or sales are less than 300 million yen, 1 point, the number of employees is 10 or more and less than 100 people, or the sales are 300 million yen or more and 3 billion yen If it falls under any of the following, points (temporary company evaluation points) such as 2 points will be given (Fig. 5 (a)), and the work status evaluation of the temporary staff at the temporary company will be "A" evaluation In the case of “B”, 5 points are given, and in the case of “B” evaluation, points (working situation evaluation points) such as 4 points are given (FIG. 5B). For example, when the temporary monthly income of temporary employee A is 250,000 yen, the number of employees of A's dispatched company is 300, and the work status evaluation is “B” evaluation, FIG. 4 and FIG. From (b), 7 points + 3 points + 4 points = 14 points become work performance evaluation points.

また、図６に従うと、例えば、派遣元企業の登録派遣社員数が１００名未満又は派遣先企業１０社未満の場合には１点、登録派遣社員数１００名以上３００名未満又は派遣先企業１０社以上２０社未満の場合には２点等のポイント（派遣元企業評価ポイント）が付与される（図６（ａ））。派遣元企業における派遣社員の勤務状況評価は、本実施形態では登録日数又は総勤務日数で評価しており、例えば、登録日数９０日未満又は総勤務日数３０日未満の場合には１点、登録日数９０日以上１８０日未満又は総勤務日数３０日以上６０日未満の場合には２点等のポイント（勤務状況評価ポイント）が付与される（図６（ｂ））。例えば、派遣社員Ａさんの場合、直近の月収が上記の通り２５万円で、派遣元企業の登録派遣社員数が９０名、登録日数２００日の場合には、図４及び図６（ａ），（ｂ）より、７点＋１点＋３点＝１１点が勤務実績評価ポイントになる。 Further, according to FIG. 6, for example, when the number of registered dispatched employees of the dispatching company is less than 100 or less than 10 dispatched companies, one point, the number of registered dispatched employees of 100 to less than 300, or the dispatched company 10 In the case of more than 20 companies and less than 20 companies, points such as 2 points (temporary company evaluation points) are given (FIG. 6 (a)). In this embodiment, the work status evaluation of a temporary employee at a temporary agency is evaluated by the number of registered days or the total number of working days. For example, if the number of registered days is less than 90 days or the total number of working days is less than 30 days, one point is registered. When the number of days is 90 days or more and less than 180 days, or when the total number of working days is 30 days or more and less than 60 days, points (working status evaluation points) such as 2 points are given (FIG. 6B). For example, in the case of temporary employee A, when the latest monthly income is 250,000 yen as described above, the number of registered temporary employees of the temporary company is 90, and the number of registration days is 200 days, FIG. 4 and FIG. , (B), 7 points + 1 point + 3 points = 11 points become work performance evaluation points.

勤務実績評価ポイントは、上記のように、図５に示した派遣先企業に関連する指標を合わせて求める場合と、図６に示した派遣元企業に関連する指標を合わせて求める場合とで、同じ派遣社員であってもポイントが異なる場合がある。この場合、いずれか高い方若しくは低い方の値によって当該派遣社員の勤務実績評価ポイントとすることもできるし、両者の平均値を当該派遣社員の勤務実績評価ポイントとすることもできる。いずれを選択するかは任意であり、給与支払い管理サーバ１０の運営者と、派遣元企業又は派遣先企業との協議によって任意に決定できる。 As described above, the service performance evaluation point is obtained by combining the index related to the dispatched company shown in FIG. 5 and the index related to the dispatching company shown in FIG. Even the same temporary employee may have different points. In this case, the higher or lower value can be used as the temporary worker's work performance evaluation point, or the average value of both can be used as the temporary worker's work performance evaluation point. Which one to select is arbitrary, and can be arbitrarily determined by discussion between the operator of the salary payment management server 10 and the dispatch source company or the dispatch destination company.

基礎評価確定手段１７ａにより得られた基礎評価ポイントと、勤務実績評価確定手段１７ｂにより得られた勤務実績評価ポイントは、いずれか一方のみにより与信判定を行うこともできるが、両者を考慮して与信判定を行うことが好ましい。従来のキャッシングサービスにおいては、個人の属性（年齢、性別、年収等）から与信判定を行うのが主流であり、派遣社員のような非常勤、短期契約の労働者の場合には、収入の変化の頻度が高いにも拘わらず、それらが反映された与信にはなっていない。しかしながら、基礎評価ポイントに、勤務実績評価ポイントを加味することにより、派遣社員等の非常勤、短期契約の労働者であっても、勤務実態に合った与信判定を行うことができる。 The basic evaluation points obtained by the basic evaluation confirmation means 17a and the work performance evaluation points obtained by the work performance evaluation confirmation means 17b can be judged by either one of them. It is preferable to make a determination. In conventional cashing services, credit judgment is mainly performed based on individual attributes (age, gender, annual income, etc.). For part-time and short-term workers such as temporary workers, changes in income Despite the high frequency, it is not a credit that reflects them. However, by adding work performance evaluation points to basic evaluation points, even a part-time worker such as a temporary worker or a worker with a short-term contract can make a credit decision that matches the actual work.

上記の派遣社員Ａさんの場合、図５に従って算出した勤務実績評価ポイントを採用するとすれば、勤務実績評価ポイントが１４点で、基礎評価ポイントが３６点となる。与信判定手段１７は、上記の各ポイントが求められたならば、このポイントを、図７に示した与信判定テーブルに適用し、２０万円の借入枠（利率１２％）を付与する。 In the case of the above-mentioned temporary employee A, if the work performance evaluation points calculated according to FIG. 5 are adopted, the work performance evaluation points are 14 points and the basic evaluation points are 36 points. When each of the above points is obtained, the credit judgment means 17 applies the points to the credit judgment table shown in FIG. 7 and grants a 200,000 yen borrowing frame (12% interest rate).

与信判定手段１７により与信判定され借入枠が決定されると、その情報は出金額決定手段１６に受け渡される。例えば、上記派遣社員Ａさんが、残給与５万円の場合で１２万円出金しようとする場合には、出金希望金額と残給与との差額７万円が、上記の借入枠２０万円の範囲であるため、残給与の５万円と差額７万円を合わせた１２万円、すなわち、出金希望金額と同額が出金額として決定される。 When the credit determining means 17 determines the credit and the borrowing limit is determined, the information is transferred to the withdrawal amount determining means 16. For example, if the temporary employee A is planning to withdraw 120,000 yen with a remaining salary of 50,000 yen, the difference between the desired withdrawal amount and the remaining salary will be 70,000 yen. Since it is in the range of yen, 120,000 yen, which is the sum of the remaining salary of 50,000 yen and the difference of 70,000 yen, that is, the same amount as the desired withdrawal amount is determined as the withdrawal amount.

一方、派遣社員Ａさんが、２８万円を出金希望金額として入力した場合には、出金希望金額と残給与との差額は２３万円になる。しかし、この差額２３万円は、借入枠２０万円を上回っている。よって、この場合には、借入枠２０万円に残給与５万円を合わせた２５万円が出金額として決定される。なお、このケースのように、出金希望金額と残給与との差額が、借入枠を上回っている場合には、残給与に借入枠を合わせた金額（この例では２５万円）をそのまま出金額として決定してしまうのではなく、情報送受信手段１９によって現金支払機２０側に、現金支払機２０を操作している人（例えば、派遣社員Ａさん）に、予め、出金可能額として通知し、その後、出金希望金額の変更を行う場合には、新たに出金可能額の範囲で変更後の金額（例えば、２４万円）の入力を促し、この変更後の出金希望金額を現金支払機入力情報受信手段１３によって受信したならば、出金額決定手段１６により、当該変更後の金額を出金額として決定するようにしてもよい。 On the other hand, when temporary worker A inputs 280,000 yen as the desired withdrawal amount, the difference between the desired withdrawal amount and the remaining salary is 230,000 yen. However, this difference of 230,000 yen exceeds the borrowing limit of 200,000 yen. Therefore, in this case, 250,000 yen, which is a total of 200,000 yen borrowing and a remaining salary of 50,000 yen, is determined as the amount to be paid. If the difference between the desired withdrawal amount and the remaining salary exceeds the borrowing limit, as in this case, the amount of the remaining salary combined with the borrowing limit (250,000 yen in this example) is issued as is. Instead of determining the amount of money, the information transmitter / receiver 19 notifies the cash dispenser 20 side of the person who operates the cash dispenser 20 (for example, temporary worker A) in advance as a possible withdrawal amount. Then, when changing the desired withdrawal amount, the user is prompted to enter the new amount within the range of possible withdrawals (eg, 240,000 yen). If it is received by the cash machine input information receiving means 13, the changed money amount may be determined by the withdrawal amount determination means 16 as the withdrawal amount.

給与振り込み手段１８は、派遣社員の未出金の残給与情報を読み出し、給与支払日において残給与が存在する場合に、当該派遣社員の給与支払い口座に当該残給与の振り込み指示を行う。これにより、給与支払日前に所定の金額の出金がなされているか否かに拘わらず、給与支払日には、確実に残給与が給与支払い口座に振り込まれる。例えば、図２において、３日目の給与データが反映された後、１０，０００円を出金した時点で残給与５００円になっているが、この状態で例えば月締めの給与支払日が到来した場合には、該残給与５００円が給与支払い口座に振り込まれる。 The salary transfer means 18 reads the information on the remaining salary of the temporary employee's unpaid money and, when there is a remaining salary on the salary payment date, instructs the temporary employee's salary payment account to transfer the remaining salary. This ensures that the remaining salary is transferred to the salary payment account on the salary payment date regardless of whether or not a predetermined amount has been withdrawn before the salary payment date. For example, in FIG. 2, after the salary data on the third day is reflected, the remaining salary is 500 yen when 10,000 yen is withdrawn. If this happens, the remaining salary of 500 yen is transferred to the salary payment account.

なお、情報送受信手段１９は、上記のように、各種管理コンピュータ３０〜５０等との情報の伝達にあたって機能しており、現金支払機２０からの入力情報は、現金支払機入力情報受信手段１３によって受信し、現金支払機２０への出金額情報は、出金額情報送信手段１４によって送信するようになっている。このように、本実施形態では、現金支払機入力情報受信手段１３及び出金額情報送信手段１４を、情報送受信手段１９とは別の構成にしているが、これらは、いずれも情報の送受信を行う機能の点で共通しており、現金支払機入力情報受信手段１３及び出金額情報送信手段１４の機能を情報送受信手段１９によって兼用させることも可能である。 As described above, the information transmitting / receiving unit 19 functions to transmit information with the various management computers 30 to 50 and the like, and the input information from the cash dispenser 20 is received by the cash dispenser input information receiving unit 13. The withdrawal amount information received and sent to the cash payment machine 20 is transmitted by the withdrawal amount information transmission means 14. As described above, in the present embodiment, the cash machine input information receiving unit 13 and the withdrawal amount information transmitting unit 14 are configured differently from the information transmitting / receiving unit 19, but they both transmit and receive information. The functions of the cash payment machine input information receiving unit 13 and the withdrawal amount information transmitting unit 14 can be shared by the information transmitting / receiving unit 19.

次に、図８及び図９に基づき、本実施形態による給与の支払い過程を説明する。まず、派遣社員は派遣元企業と契約し、給与引き出しのためのカードの発行を受ける（Ｓ１０１）。派遣社員は派遣元企業からの勤務指示により（Ｓ１０２）、所定の派遣先企業において勤務を行う（Ｓ１０３）。なお、派遣先企業は、派遣元企業から派遣社員の属性等のデータを予め受けている（Ｓ１０４）。派遣社員は、１日の勤務を終えると、派遣元企業にその旨を通知し（Ｓ１０５）、派遣元企業から給与支払い管理サーバ１０に給与データが送信される（Ｓ１０６）。給与支払い管理サーバ１０では、情報送受信手段１９によって給与データを受信すると、そのデータを当該派遣社員の残給与として反映させていく。残給与が増えれば、出金可能な金額も増加することから、給与データは、給与支払い管理サーバ１０に毎日送信されることが好ましいが、複数日数ごと、例えば、週ごとや月ごとにまとめて送信されるようにしてもよい。単に、給与支払日前の前借りを可能にした従来のシステムでは、勤務日数に応じて支払われるべき分の範囲、つまり、残給与の範囲でしか出金できないため、勤務を終えるごとにその日給分を反映させていかないと、本来の給与支給日までの間に、出金可能な金額が早期にゼロになってしまう可能性がある。しかし、本実施形態では、与信判定手段１７によって借入枠が設定されるため、給与支給日前に残給与がゼロになった場合でも、借入枠の範囲内であればさらに出金可能であり、残給与への反映が複数日数ごとであっても、出金できなくなる可能性は従来よりも少ない。かかる状態で、派遣社員が、任意のタイミングであるいは給与支払日において、現金支払機２０を操作して出金操作を行うと、給与支払い管理サーバ１０から出金額情報が送信され、現金が支払われる（Ｓ１０７）。次に、この現金支払機２０を通じての出金過程の詳細を図９に基づいて説明する。 Next, based on FIG.8 and FIG.9, the payment process of the salary by this embodiment is demonstrated. First, a temporary employee makes a contract with a temporary company and receives a card for salary withdrawal (S101). The dispatched employee works at a predetermined dispatch destination company (S103) according to a work instruction from the dispatching company (S102). The dispatch destination company receives in advance data such as attributes of the dispatched employee from the dispatch source company (S104). When the temporary employee finishes working for one day, the temporary company notifies the temporary company (S105), and the temporary data is sent from the temporary company to the salary payment management server 10 (S106). In the salary payment management server 10, when salary data is received by the information transmitting / receiving means 19, the data is reflected as the remaining salary of the dispatched employee. Since the amount of money that can be withdrawn increases as the remaining salary increases, the salary data is preferably sent to the salary payment management server 10 every day. However, the salary data is preferably collected every multiple days, for example, every week or every month. It may be transmitted. In the conventional system that allows borrowing before the salary payment date, it is possible to withdraw only within the range of the amount to be paid according to the number of working days, that is, within the range of the remaining salary. If not reflected, there is a possibility that the amount of money that can be withdrawn will soon become zero before the original salary payment date. However, in this embodiment, since the credit limit is set by the credit judgment means 17, even if the remaining salary becomes zero before the salary payment date, it is possible to withdraw further if it is within the range of the borrowing limit. Even if it is reflected in the salary every several days, there is less chance of withdrawal than before. In such a state, when the temporary worker performs a withdrawal operation by operating the cash payment machine 20 at an arbitrary timing or on the salary payment date, the withdrawal amount information is transmitted from the salary payment management server 10 and the cash is paid. (S107). Next, details of the withdrawal process through the cash dispenser 20 will be described with reference to FIG.

まず、派遣元企業から支給されたカードを適宜の現金支払機２０に挿入し、暗証番号を入力する（Ｓ２０１）。カードに記録された情報及び暗証番号は、現金支払機２０から給与支払い管理サーバ１０の現金支払機入力情報受信手段１３に送信され、現金支払機入力情報受信手段１３によって、労働者情報データベース１１を検索し、当該カードを現金支払機２０に挿入した派遣社員を特定する（Ｓ２０２）。派遣社員が特定されると、現金支払機２０の操作画面では、出金希望金額の入力を促す案内が表示され、それに従って、出金希望金額を入力する（Ｓ２０３）。出金希望金額を現金支払機入力情報受信手段１３によって受信すると、金額比較手段１５が稼働する。金額比較手段１５は、当該派遣社員の残給与を労働者情報データベース１１から抽出し、その残給与と、現金支払機入力情報受信手段１３によって受信された出金希望金額とを比較する（Ｓ２０４）。比較の結果、出金希望金額が残給与以下の場合には、出金額決定手段１６によって、この出金希望金額がそのまま出金額として決定され、出金額情報として出金額情報送信手段１４に受け渡され、現金支払機２０に送信される。現金支払機２０では、この出金額情報を受信すると、出金額に相当する紙幣や硬貨を払い出す（Ｓ２０５）。つまり、例えば、残給与が５万円で、出金希望金額が２万円の場合には、出金希望金額が残給与以下であるため、２万円が出金額として払い出される。 First, a card provided by a dispatching company is inserted into an appropriate cash payment machine 20 and a password is input (S201). The information recorded on the card and the personal identification number are transmitted from the cash machine 20 to the cash machine input information receiving means 13 of the salary payment management server 10, and the cash machine input information receiving means 13 stores the worker information database 11. The temporary employee who searched and inserted the said card | curd into the cash payment machine 20 is specified (S202). When the temporary employee is specified, on the operation screen of the cash dispenser 20, guidance for prompting input of the desired withdrawal amount is displayed, and the desired withdrawal amount is input accordingly (S203). When the desired withdrawal amount is received by the cash dispenser input information receiving unit 13, the amount comparing unit 15 is activated. The amount comparison means 15 extracts the remaining salary of the temporary worker from the worker information database 11, and compares the remaining salary with the desired withdrawal amount received by the cash machine input information receiving means 13 (S204). . As a result of the comparison, when the desired withdrawal amount is equal to or less than the remaining salary, the withdrawal amount determining means 16 determines the desired withdrawal amount as the withdrawal amount as it is, and transfers it to the withdrawal amount information transmitting means 14 as the withdrawal amount information. And transmitted to the cash dispenser 20. When receiving the withdrawal information, the cash dispenser 20 pays out banknotes and coins corresponding to the withdrawal amount (S205). That is, for example, if the remaining salary is 50,000 yen and the desired withdrawal amount is 20,000 yen, the desired withdrawal amount is equal to or less than the remaining salary, and 20,000 yen is paid out as the withdrawal amount.

一方、金額比較手段１５によって、出金希望金額が残給与を上回ると判定された場合には、給与支払い管理サーバ１０の情報送受信手段１９を介して、借入を希望するか否かのメッセージを現金支払機の操作画面に表示させる（Ｓ２０６）。そして、派遣社員が、借入を希望する旨の操作を行い、その情報を現金支払機入力情報受信手段１３によって受信すると、与信判定手段１７が稼働する。なお、与信判定手段１７は、工程Ｓ２０６を省略し、金額比較手段１５によって、出金希望金額が残給与を上回ると判定されたならば、そのまま稼働する構成としてもよい。 On the other hand, if the amount comparison means 15 determines that the desired withdrawal amount exceeds the remaining salary, a message asking whether or not to borrow is sent via the information transmission / reception means 19 of the salary payment management server 10 as cash. It is displayed on the operation screen of the payment machine (S206). Then, when the temporary employee performs an operation to request borrowing and the information is received by the cash dispenser input information receiving means 13, the credit judging means 17 is activated. The credit determination unit 17 may omit the step S206, and may operate as it is if the amount comparison unit 15 determines that the desired withdrawal amount exceeds the remaining salary.

与信判定手段１７においては、まず、基礎評価確定手段１７ａによって、信用情報の照会がなされる（Ｓ２０７）。信用情報は、主として、既借入金情報になるが、これは、上記のように、予め、信用情報機関の管理コンピュータ５０から入手して労働者情報データベース１１に記憶された情報を利用してもよいし、基礎評価確定手段１７ａが信用情報機関の管理コンピュータ５０にアクセスして入手する構成としてもよい。 In the credit determination means 17, first, credit information is inquired by the basic evaluation confirmation means 17a (S207). Although the credit information is mainly borrowed information, as described above, the credit information may be obtained from the management computer 50 of the credit information agency and stored in the worker information database 11 in advance. The basic evaluation confirmation unit 17a may access and obtain the management computer 50 of the credit information organization.

次いで、基礎評価確定手段１７ａによる基礎評価と勤務実績評価確定手段１７ｂによる勤務実績評価とを用いて、与信判定を行い（Ｓ２０８）、借入枠を決定する。借入枠が決定されると、労働者情報データベース１１の当該派遣社員の借入枠の情報が更新される（Ｓ２０９）。 Next, credit judgment is performed using the basic evaluation by the basic evaluation confirmation means 17a and the work performance evaluation by the work performance evaluation confirmation means 17b (S208), and the borrowing frame is determined. When the borrowing limit is determined, the information on the borrowing limit of the temporary worker in the worker information database 11 is updated (S209).

借入枠が決定したならば、出金額決定手段１６によって、借入枠が、出金希望金額と残給与との差額よりも大きいか否かを判定する（Ｓ２１０）。借入枠がこの差額よりも大きい場合には、残給与に差額を付加した金額が出金額として決定され、その出金額情報が出金額情報送信手段１４によって現金支払機２０に送信され、現金支払機２０を通じて出金される（Ｓ２１１）。例えば、出金希望金額が５万円、残給与が２万円、借入枠が１０万円の場合、出金希望金額と残給与との差額３万円よりも借入枠１０万円の方が大きいため、残給与に差額を合わせた金額、すなわち、出金希望金額と同じ金額が出金される。この出金が行われると、この例では、残給与がゼロ、借入金額３万円、残りの借入枠７万円になるため、当該派遣社員の労働者情報データベース１１に記憶されているそれらの情報が更新される（Ｓ２１２）。なお、この後、当該派遣社員が勤務を重ね、例えば、新たな給与データとして２万円を加算するデータが、派遣元企業の管理コンピュータ４０から給与支払い管理サーバ１０に送信された場合、残給与を２万円に設定してもよいし、借入金額、借入枠と即座に精算するようにしてもよい。 If the borrowing limit is determined, the withdrawal amount determining means 16 determines whether or not the borrowing limit is larger than the difference between the desired withdrawal amount and the remaining salary (S210). If the borrowing limit is larger than the difference, the amount obtained by adding the difference to the remaining salary is determined as the amount to be withdrawn, and the amount information is transmitted to the cash payment machine 20 by the amount information transmission means 14, and the cash payment machine The money is withdrawn through 20 (S211). For example, if the desired withdrawal amount is 50,000 yen, the remaining salary is 20,000 yen, and the borrowing limit is 100,000 yen, the borrowing limit of 100,000 yen is more than the difference of 30,000 yen between the requested withdrawal amount and the remaining salary. Since the amount is large, the sum of the remaining salary plus the difference, that is, the same amount as the desired withdrawal amount is withdrawn. When this withdrawal is made, in this example, the remaining salary is zero, the borrowing amount is 30,000 yen, and the remaining borrowing limit is 70,000 yen. Therefore, those stored in the worker information database 11 of the temporary worker are stored. Information is updated (S212). After that, when the temporary employee continues to work, for example, when data that adds 20,000 yen as new salary data is transmitted from the management computer 40 of the dispatching company to the salary payment management server 10, the remaining salary May be set to 20,000 yen or may be settled immediately with the borrowing amount and the borrowing limit.

工程Ｓ２１０において、借入枠が、出金希望金額と残給与との差額よりも小さいと判定された場合には、本実施形態では、情報送受信手段１９によって現金支払機２０の操作画面にその旨のメッセージを表示させると共に、出金可能額、すなわち、残給与と借入枠との合計金額を通知する（Ｓ２１３）。そして、出金希望金額を変更するか否かを判断させ（Ｓ２１４）、出金希望金額を出金可能額の範囲内で変更する場合には、その金額を入力させる（Ｓ２１５）。変更後の出金希望金額を、現金支払機入力情報受信手段１３によって受信すると、出金額決定手段１６は、当該金額を出金額として決定し、その出金額情報が出金額情報送信手段１４によって現金支払機２０に送信され、現金支払機２０を通じて出金される（Ｓ２１１）。出金希望金額の変更に応じない場合には、そのまま終了する。 In Step S210, when it is determined that the borrowing frame is smaller than the difference between the desired withdrawal amount and the remaining salary, in the present embodiment, the information transmission / reception means 19 displays on the operation screen of the cash dispenser 20 to that effect. A message is displayed, and the amount that can be withdrawn, that is, the total amount of the remaining salary and the borrowing frame is notified (S213). Then, it is determined whether or not the desired withdrawal amount is to be changed (S214), and if the desired withdrawal amount is to be changed within the possible withdrawal amount, the amount is entered (S215). When the cash withdrawal input information receiving means 13 receives the changed withdrawal desired amount, the withdrawal amount determination means 16 determines the amount as the withdrawal amount, and the withdrawal amount information is cashed by the withdrawal amount information transmission means 14. It is transmitted to the payment machine 20 and withdrawn through the cash payment machine 20 (S211). If it does not respond to the change in the desired withdrawal amount, the process ends.

また、工程Ｓ２０６において、派遣社員が、借入を希望しない旨の情報を情報送受信手段１９に送信した場合も、工程Ｓ２１３に進み、出金可能額が通知されるが、この場合は借入枠がゼロであるため、出金可能額は残給与と同額になる。その後は、上記と同様に、出金希望金額を変更するか否かを判断させ（Ｓ２１４）、変更する場合には、その金額を入力させ（Ｓ２１５）、変更後の出金希望金額が出金される（Ｓ２１１）。 Also, in step S206, when the temporary employee transmits information indicating that he / she does not wish to borrow to the information transmitting / receiving means 19, the process proceeds to step S213 to notify the possible withdrawal amount. In this case, the borrowing frame is zero. Therefore, the amount that can be withdrawn is the same as the remaining salary. Thereafter, in the same manner as described above, it is determined whether or not the desired withdrawal amount is to be changed (S214). If the amount is to be changed, the amount is entered (S215). (S211).

図１は、本発明の一の実施形態に係る給与支払い管理サーバを用いた給与支払いの仕組みを説明するための模式図である。FIG. 1 is a schematic diagram for explaining a salary payment mechanism using a salary payment management server according to an embodiment of the present invention. 図２は、給与データ、残給与情報の労働者情報データベースへ反映の過程を説明するための図である。FIG. 2 is a diagram for explaining a process of reflecting salary data and remaining salary information to the worker information database. 図３（ａ）は、年齢ポイントの一例を、図３（ｂ）は、年収ポイントの一例を、図３（ｃ）は、信用情報ポイントの一例をそれぞれ示す図である。3A shows an example of an age point, FIG. 3B shows an example of an annual income point, and FIG. 3C shows an example of a credit information point. 図４は、収入評価ポイントの一例を示す図である。FIG. 4 is a diagram illustrating an example of income evaluation points. 図５（ａ）は、派遣先企業評価ポイントの一例を示し、図５（ｂ）は、派遣先企業における勤務状況評価に基づいた勤務状況評価ポイントの一例を示す図である。FIG. 5A shows an example of a dispatch destination company evaluation point, and FIG. 5B is a diagram showing an example of a work situation evaluation point based on a work situation evaluation at the dispatch destination company. 図６（ａ）は、派遣元企業評価ポイントの一例を示し、図５（ｂ）は、派遣元企業における勤務状況評価に基づいた勤務状況評価ポイントの一例を示す図である。FIG. 6A illustrates an example of a dispatching company evaluation point, and FIG. 5B illustrates an example of a work situation evaluation point based on a work situation evaluation at the dispatching company. 図７は、与信判定手段に用いる与信判定テーブルの一例を示す図である。FIG. 7 is a diagram illustrating an example of a credit determination table used for the credit determination means. 図８は、本実施形態を利用しての給与の支払い過程の概要を示す図である。FIG. 8 is a diagram showing an outline of the pay process of salary using the present embodiment. 図９は、現金支払機を通じての出金過程の詳細を説明するための図である。FIG. 9 is a diagram for explaining the details of the withdrawal process through the cash dispenser.

Explanation of symbols

１０給与支払い管理サーバ
１１労働者情報データベース
１２企業情報データベース
１３現金支払機入力情報受信手段
１４出金額情報送信手段
１５金額比較手段
１６出金額決定手段
１７与信判定手段
１７ａ基礎評価確定手段
１７ｂ勤務実績評価確定手段
１８給与振り込み手段
１９情報送受信手段
２０現金支払機
３０（派遣企業先）管理コンピュータ
４０（派遣企業元）管理コンピュータ
５０（信用情報機関）管理コンピュータ DESCRIPTION OF SYMBOLS 10 Salary payment management server 11 Worker information database 12 Company information database 13 Cash machine input information receiving means 14 Withdrawal amount information sending means 15 Amount comparing means 16 Withdrawal amount determining means 17 Credit judging means 17a Basic evaluation determining means 17b Work performance evaluation Determination means 18 Salary transfer means 19 Information transmission / reception means 20 Cash payment machine 30 (Dispatch company) Management computer 40 (Dispatch company) Management computer 50 (Credit information agency) Management computer

Claims

Connected to the cash machine via communication means,
Worker information database for managing information on workers, company information database for managing information on companies involved in the workers, and worker information and withdrawals for identifying workers input from cash dispensers A salary payment management server comprising: a cash machine input information receiving unit for receiving a desired amount; and a withdrawal information transmitting unit for transmitting withdrawal information for causing the cash machine to withdraw a predetermined amount. And
Amount comparison means for reading the remaining salary information of unpaid from the worker information database using the worker information received by the cash dispenser input information receiving means, and comparing the remaining salary with the desired withdrawal amount ,
Withdrawal amount determination means for determining the desired withdrawal amount as the withdrawal amount information and delivering it to the withdrawal amount information transmitting means when the withdrawal amount is determined to be equal to or less than the remaining salary by the amount comparison means While comprising
Furthermore, it has a credit judgment means for judging the credit of the worker,
When the amount comparison means determines that the desired withdrawal amount is greater than the remaining salary, the credit determination means determines the worker's credit, and the withdrawal amount determination means The difference between the desired amount and the remaining salary is added to the remaining salary within the range of the borrowing frame determined by the credit judgment unit, and the added amount is determined as the amount information, and the amount information transmitting unit A salary payment management server characterized by having a configuration of delivering to a client.

The worker information database includes worker attributes, unpaid remaining salary, salary payment account number, salary payment date, borrowing frame required by credit judgment means, existing borrowing, worker's income for a specific period, labor The salary payment management server according to claim 1, wherein information on a work status evaluation at a dispatch destination company or a dispatch source company regarding a worker's work status is stored.

As the company information database, a dispatch destination company database storing the company size and performance of the worker dispatching company and a dispatch source company database storing the company size and performance of the worker dispatching company are provided. The salary payment management server according to claim 1 or 2.

The credit determination means is a basic evaluation confirmation means for obtaining a basic evaluation of each worker using at least one of the attribute evaluation based on the worker's attribute and the credit information evaluation based on the existing borrowed information,
Revenue evaluation in a specific period based on the work performance of the worker, evaluation of the work situation of the dispatched company or the dispatched company regarding the work status of the worker, evaluation of the dispatched company based on the company size and performance, company size and performance A work performance evaluation confirmation means for obtaining a work performance evaluation of each worker using at least one evaluation of the dispatching company evaluation evaluated based on
The worker's credit is determined by using at least one of the basic evaluation obtained by the basic evaluation confirmation means and the work performance evaluation obtained by the work performance evaluation confirmation means. The salary payment management server according to any one of the above.

The work performance evaluation confirmation means obtains work performance evaluation by taking into account the work situation evaluation in the income evaluation, and taking into account at least one of the dispatched company evaluation and the dispatched company evaluation. The salary payment management server according to claim 4.

Further, salary transfer means for reading out the remaining salary information of unpaid from the worker information database and instructing transfer of the remaining salary to the salary payment account of the worker when the remaining salary exists on the salary payment date. The salary payment management server according to any one of claims 1 to 5, further comprising:

Introduced into a salary payment management server having a worker information database for managing information on workers and a company information database for managing information on companies involved in the workers, which are connected to a cash dispenser via communication means Is a computer program that causes the cash payment machine to send out withdrawal amount information for making withdrawal of a predetermined amount,
Cash payment machine input information receiving means for receiving worker information input from a cash machine and a desired withdrawal amount;
Withdrawal amount information transmitting means for transmitting withdrawal amount information for causing the cash payment machine to withdraw a predetermined amount;
Amount comparison means for reading the remaining salary information of unpaid from the worker information database using the worker information received by the cash dispenser input information receiving means, and comparing the remaining salary with the desired withdrawal amount ,
Withdrawal amount determination means for determining the desired withdrawal amount as the withdrawal amount information and delivering it to the withdrawal amount information transmitting means when the withdrawal amount is determined to be equal to or less than the remaining salary by the amount comparison means While comprising
Furthermore, it has a credit judgment means for judging the credit of the worker,
When the amount comparison means determines that the desired withdrawal amount is greater than the remaining salary, the credit determination means determines the worker's credit, and the withdrawal amount determination means The difference between the desired amount and the remaining salary is added to the remaining salary within the range of the borrowing frame determined by the credit judgment unit, and the added amount is determined as the amount information, and the amount information transmitting unit A computer program characterized by having a configuration for delivering to a computer.

The credit determination means is a basic evaluation confirmation means for obtaining a basic evaluation of each worker using at least one of the attribute evaluation based on the worker's attribute and the credit information evaluation based on the existing borrowed information,
Revenue evaluation in a specific period based on the work performance of the worker, evaluation of the work situation of the dispatched company or the dispatched company regarding the work status of the worker, evaluation of the dispatched company based on the company size and performance, company size and performance A work performance evaluation confirmation means for obtaining a work performance evaluation of each worker using at least one evaluation of the dispatching company evaluation evaluated based on
8. The worker's credit is determined using at least one of the basic evaluation obtained by the basic evaluation confirmation means and the work performance evaluation obtained by the work performance evaluation confirmation means. Computer program.

The work performance evaluation confirmation means obtains work performance evaluation by taking into account the work situation evaluation in the income evaluation, and taking into account at least one of the dispatched company evaluation and the dispatched company evaluation. The computer program according to claim 8.

Further, salary transfer means for reading out the remaining salary information of unpaid from the worker information database and instructing transfer of the remaining salary to the salary payment account of the worker when the remaining salary exists on the salary payment date. The computer program according to claim 7, further comprising: