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US 2003/0197055 A1Published application
Multi-purpose terminal, payroll and work management system and related methods
AssigneeAmerican EPS, Inc.
InventorNebil Ben-Aissa
Life of this patent
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AssigneeAmerican EPS, Inc.
InventorNebil Ben-Aissa
Estimating the term…
Employees gain access to a payroll and work management system by authentication at a multi-purpose terminal with a bankcard encoded with a unique account number and a personal identification number (PIN). The terminal may then be used to check-in and checkout of work, to receive new work instructions or assignments, to review payroll details, to print a payroll stub, to execute financial transactions, to print a receipt of financial transactions or to review or to upload the results of work quality audits. The invention also includes systems and methods that utilize such multi-purpose terminals to calculate the payroll and deductions for each employee and to issue electronic fund transfers from the employer's bank account to deposit the net pay in a bank account associated with each employee's bankcard so that the pay is immediately accessible by each employee, such as by withdrawal of cash at an ATM or by purchases at a point of sale. Electronic payrolls may be processed and employee's accounts credited with pay on a daily basis, or on any preset period of time, including hourly.
An electronic payroll system for processing a payroll, comprising:
In an electronic payroll system for processing a payroll including a computer with memory for storing the names of a plurality of employees, the pay rate for each employee, a unique identifying account number assigned to each employee, a personal identification number associated with each account number and the check-in and checkout times of each employee, a bankcard coded with one of the unique identifying account numbers assigned to each employee, a personal identification number assigned to each employee and associated with each unique identifying account number, and an electronic terminal with a bankcard reader for reading the account number coded on the bankcard, with a plurality of entry keys for entering the personal identification number and with means to communicate with said computer, the method of:
An electronic payroll system for processing a payroll including a computer with memory for storing the names of a plurality of employees, the pay rate for each employee, a unique identifying account number assigned to each employee, a personal identification number associated with each account number and the check-in and checkout times of each employee, a bank card coded with one of the unique identifying account numbers assigned to each employee, a personal identification number assigned to each employee and associated with each unique identifying account number, including:
An electronic terminal in an electronic payroll system for processing a payroll, the system including a computer with a memory for storing the names of a plurality of employees, the pay rate for each employee, a unique identifying account number for each employee, a personal identification number associated with each account number and the check-in and checkout times of each employee, a bankcard coded with one of the unique identifying account numbers assigned to each employee and a personal identification number assigned to each employee and associated with each unique identifying account number, said electronic terminal comprising:
An electronic payroll system for processing a payroll, comprising:
In an electronic payroll system for processing a payroll including a computer with memory for storing the names of a plurality of employees, the pay rate for each employee and the check-in and checkout times of each employee, a bankcard coded with one of the unique identifying account numbers assigned to each employee, a personal identification number assigned to each employee and associated with each unique identifying account number, and an electronic terminal with a bankcard reader for reading the unique identifying account number coded on the bankcard, with a plurality of entry keys for entering the personal identification number and with a microprocessor having memory for storing the unique identifying account numbers of the bankcard for at least some of the employees and the personal identification numbers for at least some of the employees, the method of:
An electronic payroll system for processing a payroll including a computer with memory for storing the names of a plurality of employees, the pay rate for each employee and the check-in and checkout times of each employee, a bank card coded with one of the unique identifying account numbers assigned to each employee, a personal identification number assigned to each employee and associated with each unique identifying account number, including:
An electronic terminal in an electronic payroll system for processing a payroll, the system including a computer with a memory for storing the names of a plurality of employees, the pay rate for each employee and the check-in and checkout times of each employee, a bankcard coded with one of the unique identifying account numbers assigned to each employee and a personal identification number assigned to each employee and associated with each unique identifying account number, said electronic terminal comprising:
Dependencies are inferred from the claim text.
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From the US filing history. Foreign family members aren’t listed.
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Together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric…
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: active cards, i.e. cards including their own processing means, e.g. including…
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: banking, e.g. interest calculation or account maintenance
Wherein the time is indicated in figures: with apparatus adapted for use with individual cards
Term end not estimated
This invention relates in general to a multi-purpose terminal, payroll and work management system and related methods, and more particularly, to a multi-purpose terminal that employees may use after authentication with a bank card and personal identification number (PIN) to check-in and check-out of work, to receive new work instructions or assignments, to review payroll details, to print a payroll stub, to execute financial transactions, to print a receipt of a financial transaction or to receive the results of work quality audits. The invention also relates to systems and methods that utilize such multi-purpose terminals, including deposit of net pay in a bank account associated with each employee's bankcard so that the pay is immediately accessible by each employee.
Automated teller machines (ATMs) are typically owned by banks or banking networks. They are widely available and are frequently used to dispense cash. A customer inserts or slides a bankcard in the ATM so that a coded account number can be read from the bankcard. Through a financial network, such as Visa™/Plus™ or Mastercard™/Cirrus™, the ATM then communicates with the bank that issued the bank card (the issuing bank) to see if the desired cash withdrawal exceeds the current balance in a bank account that is related to the account number. If not, the cash is dispensed and the card owner's account is debited in the amount of the withdrawal plus any service charge for use of the ATM.
The user of the bankcard is also provided with a personal identification number (PIN) or password that is associated with the account number. The PIN is entered at the request of the ATM prior to authenticating both the account number and the PIN. In the event that the bankcard is lost, the finder will not be able to withdraw funds since he/she lacks the PIN necessary to complete any ATM transaction.
The features of the present invention which are believed to be novel are set forth with particularity in the appended claims. The invention, together with the further objects and advantages thereof, may best be understood by reference to the following description taken in conjunction with the accompanying drawings, in the several figures in which like reference numerals identify like elements, and in which:
FIG. 1 is a perspective view of an electronic terminal suited for reading a unique identifying account number on a bankcard assigned to an employee and for entering a PIN in accordance with the present invention.
FIG. 2 is a top plan view of the electronic terminal illustrated in FIG. 1, also illustrating a bankcard with a magnetic stripe.
Referring to the Figures, and particularly to FIGS. 1 and 2, an electronic terminal, generally designated 20, is constructed in accordance with the invention. Preferably, electronic terminal 20 has ATM, payroll and work management (APW) capability, and will hereinafter be referred to as an APW terminal 20. Disposed near an upper end of APW terminal 20 is a display screen 21 for displaying information, options, commands, work assignments, or the like. The APW terminals may be located wherever employees usually check-in or check-out of work, such as at the employer's facilities, or at the customer's facilities in those instances where the employees work at the customer's facilities, for example, janitorial or cleaning staff.
APW terminal 20 is provided with a slot 22 for sliding a card 23 therethrough to read data that is encoded on a magnetic stripe 24 of the card 23. For example, card 23 may be a bankcard issued by a bank and the magnetic stripe may have a unique identifying number encoded thereon which corresponds to one or more accounts at said bank. Of course, APW terminal 20 could alternatively be equipped to read information from smartcards. Since bankcard 23 is also used in the APW terminal as an ATM, payroll and work management (APW) card, card 23 will hereinafter be referred to as an APW card.
A plurality of keys is disposed near the middle of APW terminal 20 for entry of information, commands or the like. An array of twelve keys 25 includes ten keys that are numbered 1 through 0 for entry of numeric information. A key 26 may be used as for a clear function and a key 27 may be used for a enter function.