Method and system of accretive value store loyalty card program

A method utilizing a remote networked terminal, the method comprising:

• receiving, by a central office processor, from the remote networked terminal including biometric interface devices each coupled to a processor via physical system resource interfaces, an electronic request to access a record of accrued and unpaid earnings for a predetermined time period;
• receiving, with the central office processor from the remote networked terminal via the biometric interface devices, biometric parameters of an employee;
• receiving, with the central office processor from the remote networked terminal, a photograph of the employee;
• comparing the biometric parameters and the photograph with information in a central office database to authenticate an identity of the employee;
• generating, in response to authentication of the identity of the employee, a user interface for display on the remote networked terminal including a plurality of options including a selectable option for using the accrued and unpaid earnings;
• receiving a selection on the generated user interface;
• accessing, with the central office processor in response to authentication of the identity of the employee, the central office database including the record of the accrued and unpaid earnings for the predetermined time period and determining an amount of the accrued and unpaid earnings for the predetermined time period available to the employee;
• determining, by the central office processor, whether to suspend access to the record of accrued and unpaid earnings for the predetermined time period according to a predetermined date and/or time;
• setting, by the central office processor, a suspended status that suspends access to the record of accrued and unpaid earning for the predetermined time period;
• determining, by the central office processor after the authentication of the identity of the employee, whether to allow or deny the electronic request to access the record of accrued and unpaid earnings for the predetermined time period based on the determination whether to suspend access according to the predetermined date and/or time;
• determining whether to allow or deny the electronic request to access the record of accrued and unpaid earnings for the predetermined time period based on an access amount limit on the accrued and unpaid earnings;
• transmitting, upon the central office processor determining to allow the electronic request to access the record of accrued and unpaid earnings for the predetermined time period, the accrued and unpaid earnings to the remote networked terminal for display to the employee with the remote networked terminal;
• accessing, by the central office processor, a database including exchange rates associated with a plurality of participating stores;
• determining an accretive value for each of the plurality of participating stores based on one or more of the exchange rates;
• transmitting, from the central office processor, to the remote networked terminal, a plurality of participating stores and the accretive value offered to employee by each of the participating stores for purchasing goods and services at the participating stores with the accrued and unpaid earnings;
• screening the plurality of participating stores for display on the remote networked terminal based on predetermined criteria;
• and
• displaying, on a display of the remote networked terminal, the plurality of participating stores corresponding to the screened plurality of participating stores.