JP7488209B2 - Electronic Payment Systems - Google Patents

Description

This disclosure relates to an electronic payment system, and in particular to an electronic payment system suitable for use in paying wages.

Patent document 1 discloses an electronic payment method using electronic money. According to the electronic payment method disclosed therein, the residual value of the electronic money used for payment is depreciated over time. This type of payment method stimulates the consumer's desire to spend electronic money quickly, thereby inducing active personal consumption.

International Publication No. WO 2004/036471

One possibility for electronic payment methods is to use them for the payment of wages. The conventional electronic payment methods described above aim to encourage consumption by depreciating the electronic money currently held by the user over time. If this method were used for the payment of wages, it would not stimulate consumers' desire to purchase until the wages are actually paid and the item that is subject to depreciation actually arises.

This disclosure has been made to solve the problems described above, and aims to provide an electronic payment system that can encourage consumers to purchase products before their salary is actually paid when the salary is scheduled to be paid.

In order to achieve the above object, a first aspect of the present disclosure is an electronic payment system that can be connected via a network to an administrator terminal managed by a salary payer and a user terminal managed by a user who is a labor provider, the electronic payment system comprising:
one or more processor units;
a memory that stores a program executed by the processor unit;
The processor unit includes:
A process of acquiring information on a planned salary to be paid to the user based on work information provided from the administrator terminal;
A display process for displaying the information on the expected salary on the user terminal;
an advertisement display process for determining an advertisement for a product and displaying the advertisement on the user terminal;
A process of receiving a purchase command from the user terminal to purchase the product;
a payment process for paying for the product upon receiving the purchase command;
a product provision process for instructing the user to provide the product in response to the purchase command;
a salary payment process for paying a salary so that the difference obtained by subtracting the cost of the product from the expected salary remains as the user's share;
It is preferable to carry out the following.

According to the first aspect of the present disclosure, when a salary is scheduled to be paid, consumers can be encouraged to purchase products before the salary is actually paid.

FIG. 1 is a diagram showing an example of a network configuration including an electronic payment system according to a first embodiment of the present disclosure. 2 is a diagram for explaining the configuration of the employment relationship mediation server shown in FIG. 1 . FIG. 2 is a diagram for explaining the flow of processing executed regarding the establishment of an employment relationship in the first embodiment of the present disclosure. FIG. 1 is a diagram for explaining a basic flow until a salary for work is paid in the first embodiment of the present disclosure. FIG. 2 is a diagram showing an example of an image displayed on a user terminal in the first embodiment of the present disclosure. FIG. 2 is a diagram for explaining a characteristic process flow in the first embodiment of the present disclosure. A figure for explaining a second payment pattern that can be used in the electronic payment system of embodiment 1 of the present disclosure. A figure for explaining a third payment pattern that can be used in the electronic payment system of embodiment 1 of the present disclosure. A diagram for explaining the process leading up to the transfer of borrowed money in embodiment 2 of the present disclosure. FIG. 13 is a block diagram for explaining features of an advertisement server according to a third embodiment of the present disclosure.

Embodiment 1.
[Configuration of First Embodiment]
1 shows a configuration of a network 10 including an electronic payment system according to a first embodiment of the present disclosure. The network 10 of the present embodiment includes an administrator terminal 12. The administrator terminal 12 can be realized by a general-purpose device such as a smartphone, a personal computer, or a tablet terminal. The administrator terminal 12 is managed by an administrator who requests the provision of labor and pays compensation for that labor.

The network 10 includes user terminals 14-1 to 14-n. Hereinafter, when there is no need to distinguish between individual user terminals, they will be referred to as user terminals 14 using the reference symbol 14. Like the administrator terminal 12, the user terminals 14 can also be realized as general-purpose devices such as smartphones. The user terminals 14 are managed by users who request a salary in return for their labor.

The network 10 includes a Pay server 16. The Pay server 16 is a server that manages electronic money accounts held by individual users. In response to commands provided from the outside, the Pay server 16 processes deposits to these accounts and withdrawals from these accounts. The Pay server 16 is realized by hardware that constitutes a general-purpose computer.

The network 10 also includes a service providing server 18. The service providing server 18 is a server that manages distribution services for digital content such as music, video, and games. The service providing server 18 can provide the service purchased by the user to the user terminal 14 upon receiving an external command or upon receiving payment for the service. The service providing server 18 is realized by hardware that constitutes a general-purpose computer.

The network 10 further includes an employment relationship intermediation server 20. The employment relationship intermediation server 20 is a server that provides matching services between managers seeking labor and users seeking wages, as well as labor management agency services. In this embodiment, the employment relationship intermediation server 20 constitutes a major part of an electronic settlement system that settles wage payments.

Figure 2 is a diagram for explaining the configuration of the employment relationship mediation server 20. The employment relationship mediation server 20, like the Pay server 16 and the service provision server 18, is realized by hardware that constitutes a general-purpose computer.

More specifically, as shown in FIG. 2, the employment relationship mediation server 20 includes an advertising server 22 therein. The advertising server 22 includes a processor unit (hereafter referred to as "CPU") 24, a memory 26, and a communication interface (hereafter referred to as "I/F") 28. The advertising server can display various advertisements on the user terminal 14 by referencing advertising information stored in the memory 26 or provided from an external source. This function is realized by the CPU 24 carrying out processing in accordance with a program stored in the memory 26.

The employment relationship intermediation server 20 also includes an attendance management server 30. The attendance management server 30 includes a CPU 32, memory 34, and an I/F 36. The attendance management server 30 can receive work information for each user provided by the manager terminal 12, and store the information in the required format. The work information includes information on currently completed work tasks, as well as information on future work schedules. The above functions are realized by the CPU 32 proceeding with processing in accordance with the programs stored in the memory 34.

The employment relationship mediation server 20 further includes a salary management server 38. The salary management server 38 includes a CPU 40, a memory 42, and an I/F 44. The salary management server 38 can calculate the amount of the expected salary for each user based on the work information stored in the attendance management server 30, and display the amount on the user terminal 14. The amount of the expected salary can be, for example, the compensation for the labor completed up to now, that is, the amount of the fixed claim for the user. The amount of the expected salary can also be the amount of salary assuming that the scheduled work will be completed in the future, that is, the amount of salary including the amount of the unfixed claim. Furthermore, these two amounts can be displayed on the user terminal 14 as the amount of the expected salary. The above functions are realized by the CPU 40 proceeding with processing according to the program stored in the memory 42.

In this embodiment, the functions of the employment relationship mediation server 20 are distributed among three servers as described above, and each server is provided with a CPU and memory, but the configuration is not limited to this. The employment relationship mediation server 20 can be realized using a single or multiple CPUs and a single or multiple memories, and the number of CPUs and memories can be set appropriately as needed.

[Basic operation of the first embodiment]
3 is a diagram for explaining the flow of processing executed for the establishment of an employment relationship in this embodiment. Specifically, FIG. 3 shows how the following processing is executed in chronological order:

(1) Job information is provided from the manager terminal 12 to the employment relation mediation server 20.
This job information includes information such as work location, working hours, job content, salary, and application qualifications.

(2) The employment relationship mediation server 20 that receives the job information transmits a job advertisement including the job information to the user terminal 14. The user terminals 14 to which the information is to be sent may be limited to only those terminals that have received a request for sending in advance. Alternatively, the destination may include terminals that have not received a request to cancel a previous transmission.

(3) Of the user terminals 14 that received the job advertisement, the user of user terminal 14-1 replies to the employment relationship intermediation server 20 with an intention to apply. In response to this application, the employment relationship intermediation server 20 determines whether the applicant meets the application qualifications. If the conditions are met, the employment relationship intermediation server 20 notifies both the administrator terminal 12 and the user terminal 14-1 that an employment relationship has been established. Note that in this disclosure, "employment relationship" generally refers to a relationship in which compensation is paid for labor, and includes, for example, a relationship of outsourcing.

(4) Once an employment relationship is established, a salary deposit command is sent from the manager terminal 12 to the employment relationship intermediation server 20. In this embodiment, the manager pays the user a salary on the designated salary payment date as a rule. In response to the command, the employment relationship intermediation server 20 completes the processing required to deposit the salary to be paid to the user on the next salary payment date. This type of deposit system allows the user to enjoy the benefit of being able to avoid non-payment of salary. Meanwhile, the manager can enjoy the benefit of being able to give the impression of being a good employer.

Figure 4 is a diagram to explain the basic flow from the establishment of an employment relationship to the payment of wages for work. Specifically, Figure 4 shows how the following processes are executed in chronological order:

(1) A user with user terminal 14-1 provides labor for work based on the established employment relationship.

(2) The administrator provides the user's work information to the employment relationship mediation server 20 using the administrator terminal 12. The work information may include, for example, the payday, work schedule up until the payday, the time when the employment relationship will end, approval for the start and end of daily work, the user's work attitude, and work evaluation.

(3) The employment relationship intermediation server 20 calculates the amount of the expected salary based on the received work information and provides this amount to the user terminal 14-1. Specifically, the employment relationship intermediation server 20 calculates the compensation for completed and unpaid labor based on the approval history for the start and end of daily work, and sets the result as the amount of expected salary based on the settled credit. In addition, the amount including compensation for uncompleted labor scheduled until the next payday is set as the amount of expected salary including the unconfirmed credit. By executing this process, the user can easily check the value of compensation for work at any time.

(4) The employment relationship intermediation server 20 requests the Pay server 16 to transfer the salary on the payday before the payday.

(5) In response to the request, the Pay server 16 transfers the salary in electronic money to the user terminal 14-1 on the salary payment date. More specifically, the Pay server 16 transfers the salary amount in electronic money to the electronic money account designated by the user who owns the user terminal 14-1 as the salary transfer account. With the above process, the normal settlement for the payment of salary is completed.

[Characteristic Operation of the First Embodiment]
Figure 5 shows a characteristic image displayed on the user terminal 14-1 held by the parties to the established employment relationship in this embodiment. Image 50 shown on the left side of Figure 5 displays the month of the next salary payment date, i.e., "year/month", as well as the "amount" of the "scheduled salary". Here, "25,000 yen" is shown as an example of the amount of the scheduled salary. This amount is the compensation for unpaid labor completed at the time image 50 is displayed, i.e., the amount of the confirmed claim for the user.

In addition to the above display, image 50 displays a product advertisement. Specifically, along with a message saying "How about this service?", advertisement 52 for "XX MUSIC unlimited listening for one year: 6,000 yen" is displayed. This advertisement 52 is an advertisement determined by the advertisement server 22 of the employment relationship mediation server 20 based on accessible product advertisement information and the amount of the expected salary. Specifically, in this embodiment, the advertisement server 22 picks out products whose price falls within the expected salary and makes them the target of advertisement 52.

Image 50 allows the user to recognize that he or she will have enough money to purchase the product, and also allows the user to see advertisement 52 for an attractive product. This recognition can stimulate the user's desire to purchase the product.

By clicking on advertisement 52, the user can communicate to the employment relation mediation server 20 that they intend to purchase the product. When advertisement 52 is clicked, image 54 shown on the right side of Figure 5 appears on the user terminal 14-1.

Image 54 is an image that provides options for payment methods. In the example shown in FIG. 5, image 54 provides the options "Purchase with Pay balance" and "Purchase with expected salary." In this embodiment, it is assumed that the user has an electronic money account. "Pay balance" refers to the amount of electronic money remaining in the account.

By clicking "Purchase with Pay balance," the user can transmit to the network 10 their intention to pay for the product from that account. In this case, the employment relation intermediation server 20 requests the Pay server 16 to withdraw the payment, and also requests the service providing server 18 to start providing the service. After that, when the payment of the payment is confirmed between the Pay server 16 and the service providing server 18, the user can use the service.

By clicking "Purchase with expected salary" in image 54, the user can transmit to the network 10 their intention to purchase a product with the expected salary to be paid in a certain month and year. In this embodiment, the user's purchase of the product is permitted because the ability to pay is guaranteed by the expected salary. This allows the user to immediately purchase the product without waiting for the payday, even if the user does not have a Pay balance sufficient to purchase the product.

Figure 6 is a diagram for explaining the flow of processing when the "Purchase with Expected Salary" option is clicked. The processing of (1) Employment, (2) Work Information, and (3) Expected Salary shown in Figure 6 is the same as that of the basic operation shown in Figure 4. Figure 6 shows that following these processes, the following processes are executed in chronological order.

(4) The employment relation intermediation server 20 provides the user terminal 14-1 with product advertisements along with information on the expected salary. In this embodiment, the expected salary and product advertisements are displayed simultaneously in a single image 50. However, they may also be displayed separately in different images.

(5) The user clicks on the option "Purchase with estimated salary" to issue a command to purchase the product. In this case, the intention to purchase the product is transmitted to the salary management server 38 of the employment relationship intermediation server 20.

(6) When the employment relationship intermediation server 20 receives the command to purchase the product in (5) above, it reserves the Pay server 16 to transfer the product price to the service provider. Specifically, it reserves the Pay server 16 to immediately withdraw the product price when the user's electronic money account is deposited on the payday. At this time, the employment relationship intermediation server 20 confirms that the product price is equal to or less than the expected salary, and if a portion of the salary has already been used to purchase the product, it confirms that the amount is equal to or less than the amount after deducting that amount. If the price exceeds the repayable amount, it may return a message to the user terminal 14-1 that the purchase is not possible.

(7) Next, the employment relation intermediation server 20 requests the service provider server 18 to provide the service immediately.

(8) In response to this, the service providing server 18 immediately starts providing the service to the user terminal 14-1. This allows the user to receive the service promptly after expressing his/her intention to purchase the product. In other words, according to this embodiment, even if the user does not have the necessary balance to purchase the product, if the user has a salary payment scheduled, the user can reserve the payment to be made later with the salary and immediately purchase the product. Therefore, according to this embodiment, if a salary payment is scheduled, the consumer can be encouraged to purchase the product before the salary is actually paid.

(9) On the payday, the Pay server 16 debits the product price according to the reservation in (6) above. When the completion of the debit is notified to the service provider server 18, the settlement for the product purchase is completed.

(10) The full amount of the expected salary is initially paid into the account of the user who owns the user terminal 14-1, and the product price is immediately debited thereafter. This prevents the user from accidentally spending the product price. It also provides the service provider with the benefit of being able to avoid non-payment of the price.

[Modification of the first embodiment]
[Second payment pattern]
7 shows the flow of a second payment pattern that can be used in the electronic payment system of this embodiment. In FIG. 7, the same processes as those shown in FIG. 6 are denoted by the same numbers and their explanations are omitted or simplified.

In the second payment pattern, when "Purchase with estimated salary" is clicked on the user terminal 14-1, that is, when process (5) is executed, the following processes are executed in chronological order.

(6-1) The employment relationship intermediation server 20 requests the Pay server 16 to transfer the product price to the user's electronic money account. At this time, the employment relationship intermediation server 20 verifies that the product price is equal to or less than the expected salary, and if the price exceeds the repayable amount, it may return a message to the user terminal 14-1 that the purchase is not possible.

(6-2) Upon receiving the above request, the Pay server 16 transfers electronic money in an amount equal to the price of the product to the account of the user who owns the user terminal 14-1. As a result, the user's Pay balance becomes equal to or greater than the price of the product, regardless of the initial Pay balance.

(6-3) Next, the user terminal 14-1 transmits the payment from the Pay balance to the employment relation intermediation server 20. This transmission may be performed automatically after the transfer from the Pay server 16 is completed, or may be performed after waiting for the user's confirmation process.

(6-4) Upon receiving the above communication, the employment relation intermediation server 20 requests the Pay server 16 to make payment to the service provider.

(6-5) Upon receiving the request, the Pay server 16 executes the process for withdrawing the payment and notifies the service provider server 18 of its completion.

(7) In addition to the process of (6-4) above, the employment relation intermediation server 20 requests the service providing server 18 to start providing the service.

(8) Once the service providing server 18 receives the request and confirms payment, it immediately begins providing the service.

(10) On payday, the full amount of the expected salary is deposited into the user's account, and the cost of the product that was paid in advance is immediately debited. Therefore, in the second payment pattern described above, as in the first embodiment, it is possible to prevent the user from misusing the money and failing to pay the service provider.

[Third payment pattern]
Fig. 8 shows the flow of a third payment pattern that can be used in the electronic payment system of this embodiment. In Fig. 8, processes similar to those in the payment pattern shown in Fig. 6 are given the same numbers and their descriptions are omitted or simplified.

In the third payment pattern, after (5) "Purchase with expected salary" is executed on the user terminal 14-1, the following processing is executed in chronological order.

(6-1) The employment relationship mediation server 20 deducts the product price from the expected salary. Thereafter, the amount after the deduction becomes the expected salary. Information on the expected salary after the deduction is provided to the user terminal 14-1.

(7) In addition to the process of (6-1) above, the employment relation intermediation server 20 requests the service providing server 18 to start providing the service.

(7-1) The service provider server bills the payroll agent, i.e., the employment intermediation server 20, for payment of the service fee.

(8) Once the service providing server 18 receives a request to start the service and confirms payment, it immediately starts providing the service.

(10) On payday, the reduced expected salary is deposited into the user's account. According to the above process, as in the first embodiment or the second payment pattern, it is possible to prevent the user from misusing the money and failing to pay the service provider.

[Other Modifications]
In the above-mentioned first embodiment, the expected salary is displayed on the screen 50 displayed on the user terminal 14-1. If the user purchases a product with the expected salary prior to the payday, the screen 50 may display the amount minus the amount used to purchase the product. This makes it easy for the user to grasp the actual amount of money that can be freely disposed of. Furthermore, the amount before and after the deduction may be displayed together. In this case, the user can easily confirm not only the amount after the deduction but also the regular amount to be paid as salary.

In addition, in the above-described first embodiment, when product advertisement 52 is clicked, two options are provided to the user: "Purchase with Pay balance" and "Purchase with expected salary." However, the procedure for purchasing is not limited to this, and these options may be eliminated. In this case, it is desirable for the employment relationship mediation server 20 to execute the following process after advertisement 52 is clicked by the user.

(1) A request is made to the Pay server to execute the following three processes in chronological order:
(1-1) Transfer electronic money to the user's account so that the user's Pay balance covers the price of the product.
(1-2) After the above transfer is completed, the product price will be debited from the account.
(1-3) The completion of the above withdrawal is notified to the service providing server 18.
(2) A request is made to the service providing server 18 to start a service to the user terminal 14-1.

In the above-mentioned first embodiment, the compensation for completed unpaid labor is displayed in image 50 as the expected salary, and product purchases are permitted within the range of that amount. However, the expected salary may be an amount that includes the amount of unsettled claims, and product purchases may be permitted within the range of the salary scheduled to be paid on the next salary payment date.

In addition, in the above-described first embodiment, the products provided to the user are limited to digital content services, but the present disclosure is not limited to this. The products provided to the user may be goods. In this case, the service providing server 18 may be managed by a mail order company.

In the above-described first embodiment, advertisements for products whose prices do not exceed the amount of expected salary or the amount of expected salary after deducting the prices of products already purchased are displayed on the user terminal 14-1. However, since a user may have a sufficient Pay balance in addition to the expected salary, the target of advertisements may be selected without taking the expected salary, etc. into consideration.

In addition, in the above-described first embodiment, the advertisement 52 is displayed within the image 50 managed by the employment relationship mediation server 20, but the present disclosure is not limited to this. For example, if the user terminal 14 uses some kind of messenger service, the advertisement may be displayed within the screen of the messenger service.

In addition, while the above-described first embodiment is directed to products that are paid for in a single transaction, the present disclosure is not limited to this. For example, subscription-type products that require periodic payments may also be handled. Subscription-type products often require payment by credit card. The system of the present disclosure makes it easy for users who do not own a credit card to use subscription-type products.

In addition, in the above-described first embodiment, from the viewpoint of stimulating the consumer psychology of the user, the operation is such that the product can be used immediately after purchase, without waiting for payday. However, the operation of the present disclosure is not limited to this. For example, the product can be used from payday, not from the time of purchase, and the product price can be discounted early to encourage the user to purchase before payday.

In addition, in the above-mentioned embodiment 1, it is not explicitly stated whether the person who operates the employment relation intermediation server 20 and the person who operates the service provision server 18 are the same person, but the two may be the same or different.

Embodiment 2.
Next, a second embodiment of the present disclosure will be described with reference to FIG. 9 as well as FIG. 1 to FIG. 4. The electronic payment system of this embodiment can be realized by the hardware configuration shown in FIG. 1 and FIG. 2, as in the case of the first embodiment. This system is also similar to the first embodiment in that it performs employment matching and salary payment according to the flow shown in FIG. 3 and FIG. 4. The electronic payment system of this embodiment is characterized in that, in addition to salary payment, it lends electronic money to users using expected salary or the like as collateral.

Figure 9 is a diagram for explaining the flow up to the time when a loan is made to a user using the expected salary as collateral in this embodiment. Specifically, Figure 9 shows how the following processing is executed in chronological order following (1) the user's work and (2) the provision of work information from the administrator terminal 12. Note that in Figure 9, the explanation of processing similar to that shown in Figure 4 is omitted or simplified.

(6) The employment relationship mediation server 20 provides loan information to the user terminal 14-1. The loan information includes the loanable amount and the loan interest rate. The loanable amount can be set to an upper limit of the planned salary based on the compensation for unpaid completed labor, i.e., the confirmed credit. The loanable amount may also be set based on the planned salary including the compensation for uncompleted labor scheduled until the next payday. The loanable amount and interest rate may also reflect preferential treatment based on the work attitude and work evaluation included in the work information, as well as the length of service. The preferential treatment may also reflect a score related to the credit of the user that can be accessed by the employment relationship mediation server 20. The loanable amount reflecting the preferential treatment may exceed the amount of the planned salary including the unconfirmed credit.

(7) When a user wishes to borrow money, the user applies for a loan using user terminal 14-1. The loan application includes a declaration that the user will comply with the repayment terms included in the loan information, as well as the amount that the user wishes to borrow.

(8) If the user's loan application satisfies the loan conditions, the employment relation intermediation server 20 requests the Pay server 16 to transfer the requested loan amount. At the same time, the Pay server 16 is notified of the amount of repayment to be made by a specific repayment date.

(9) The Pay server 16 that has received the request deposits the requested loan amount into the user's account held by the user terminal 14-1. After that, the Pay server 16 immediately debits the repayment amount on the payday when the user's salary is deposited into the user's account.

According to the above process, a loan of electronic money can be provided to a user based on the expected salary amount. The user who receives the loan can use the borrowed money to carry out economic activities prior to the salary payment date. Therefore, according to the electronic payment system of this embodiment, as in the case of embodiment 1, the consumption psychology of a user who has an expected salary payment can be stimulated even before the salary is actually paid.

In the above-mentioned second embodiment, loans that exceed the amount of expected salary, including unsettled claims, are permitted. Here, the medium of loans is limited to electronic money, but the present disclosure is not limited to this. For example, the provision of goods in the first embodiment may be combined with this embodiment to enable users to purchase expensive goods by borrowing.

Embodiment 3.
Next, a third embodiment of the present disclosure will be described with reference to Figures 1 to 4, 9, and 10. The electronic payment system of this embodiment can be realized by the hardware configuration shown in Figures 1 and 2, as in the case of the second embodiment. This system is also similar to the second embodiment in that it performs employment matching, salary payment, and electronic money lending in accordance with the flows shown in Figures 3, 4, and 9. The electronic payment system of this embodiment is characterized in that it provides the user terminal 14 with job information suitable for the user depending on the user's borrowing status.

Figure 10 is a block diagram showing the functional configuration of the advertising server 22 provided in the employment relationship mediation server 20 in this embodiment. The configuration shown in Figure 10 is realized by the CPU 24 proceeding with processing according to the program stored in the memory 26 (see Figure 2).

As shown in FIG. 10, the advertisement server 22 includes a debt information storage unit 60. The debt information storage unit 60 stores information about the loans of each user who has registered with the employment matching service. The debt information storage unit 60 is provided as part of the memory 26, but may also be provided in an external memory accessible by the advertisement server 22.

The advertisement server 22 is equipped with a job information storage unit 62. The job information storage unit 62 stores various job information provided by various managers seeking to provide labor. The job information storage unit 62 is provided as part of the memory 26, but may also be provided in an external memory accessible by the advertisement server 22.

The advertisement server 22 further includes a matching processing unit 64. The matching processing unit 64 can read information from each of the debt information storage unit 60 and the job information storage unit 62. The matching processing unit 64 can also exchange information with the user terminal 14 via the I/F 28.

In the matching processing unit 64, the following processing is periodically repeated in chronological order.
(1) Read out the borrowing information of a specific user (hereinafter, "target user") from the debt information storage unit 60. The borrowing information includes the amount of the borrowed amount, the presence or absence of overdue payments, the repayment attitude, the repayment date, etc. The borrowing information may also include information useful for determining the suitability of the target user for the job, such as the skills of the target user.

(2) Based on the loan information, job conditions suitable for the target user to repay the loan are set. Specifically, salary conditions such as hourly wage or daily wage, fulfillable recruitment conditions, and unfulfillable application conditions are set.

(3) Based on the job conditions set in the process of (2) above, information in the job information storage unit 62 is searched. As a result, job information that meets the set conditions is provided to the matching processing unit 64.

(4) The advertisement for the job information provided in (3) above is provided to the user terminal 14 of the target user via the I/F 28. After that, the processes in (1) to (4) above are repeated for a different target user.

According to the above process, jobs with high salary potential can be introduced to users with large amounts of debt. Furthermore, for users with less debt or no debt, salary restrictions can be removed and jobs that match the preferences of each individual user can be introduced. In this way, according to the electronic payment system of this embodiment, appropriate jobs that meet the needs of users can be efficiently introduced by taking into account the status of debt. Furthermore, by providing advertisements using information on repayment dates, users can be provided with the advantage of being able to easily select jobs that allow them to receive their salary in time for the repayment date.

In the above-mentioned third embodiment, the advertising server 22 provides the user with a job advertisement by push notification, but the present disclosure is not limited to this. For example, in response to a request from a user, a job advertisement suitable for that user may be provided to the user terminal 14. Furthermore, the timeline and order of each control are merely examples, and they may be reversed or executed simultaneously as long as no contradictions arise.

Note that the above-mentioned first to third embodiments and their modifications are each an example of one aspect of the present disclosure, and these embodiments and modifications can be combined as appropriate to the extent that no contradiction occurs.

12 Administrator terminal 14, 14-1 User terminal 16 Pay server 16
18 Service providing server 20 Employment relation mediation server 22 Advertising server 24, 32, 40 Processor unit (CPU)
26, 34, 42 Memory 30 Attendance management server 38 Payroll management server 50, 54 Image 52 Advertisement

Claims (10)

An electronic payment system that can be connected via a network to an administrator terminal managed by a payer and a user terminal managed by a user who is a labor provider,
one or more processor units;
a memory that stores a program executed by the processor unit;
The processor unit includes:
A process of acquiring information on a planned salary to be paid to the user based on work information provided from the administrator terminal;
A display process for displaying the information on the expected salary on the user terminal;
an advertisement display process for determining an advertisement for a product and displaying the advertisement on the user terminal;
A process of receiving a purchase command from the user terminal to purchase the product;
a payment process for paying for the product upon receiving the purchase command;
a product provision process for instructing the user to provide the product in response to the purchase command;
a salary payment process for paying a salary so that the difference obtained by subtracting the cost of the product from the expected salary remains as the user's share;
Run
The advertisement display process includes a process of selecting products whose prices fall within the expected salary based on information about the expected salary and determining the advertisement, in accordance with the information about the expected salary . The electronic payment system according to claim 1, wherein the purchase command is a command to purchase the product with the expected salary. The payment process is
A reservation process for debiting the price of the product from the user's account upon receipt of the payment of the expected salary to the user's account ;
3. The electronic payment system according to claim 1 or 2, comprising : The payment process is
A process of transferring the amount to the user's account upon receiving the purchase command;
receiving a payment instruction from the user terminal to pay for the product from the user's account;
receiving the payment instruction, and debiting the account for the product ;
3. The electronic payment system according to claim 1 or 2, comprising: The salary payment process is
A process of transferring the expected salary to the user's account;
A process of debiting the price of the product from the user's account upon receipt of the expected salary;
5. The electronic payment system of claim 4, comprising: The payment process is
A process of receiving the purchase command and reducing the expected salary by the price of the product ;
3. The electronic payment system according to claim 1 or 2, comprising : The work information includes information on completed unpaid labor,
7. The electronic payment system according to claim 1, wherein the information on the expected salary includes information on an amount obtained by subtracting the price of all products that have been paid from the price of the completed unpaid labor. The electronic payment system according to any one of claims 1 to 7, wherein the products include goods and services. The electronic payment system according to any one of claims 1 to 8, wherein the product includes a subscription service that requires periodic withdrawal of payment. The electronic payment system according to any one of claims 1 to 9, wherein the processor unit processes the salary and the payment in electronic money.

Images