US 2014/0156476 A1 · SYSTEM FOR PROVIDING EMPLOYEES ACCESS TO ACCRUED BUT UNPAID EARNINGS

Abstract

A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. Also included are a plurality of physical system resource interfaces for interfacing with available physical system resources. The physical system resources allow a user to gain access to the predetermined desired services. The system further includes a data store for storing configuration information for enabling the operating system to interface with the available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations are stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources. Each physical system resource interface is uniquely associated with a defined one of the physical system resources.

Claims19

Dependent claims

A system for providing access to employees of accrued and unpaid earnings representing unpaid earnings prior to the end of a current pay period, the employees subscribing to the system to obtain such access, wherein the system is accessed with a personal wireless communications device comprising:

a local server operative to communicate with the personal wireless communications device to operate in conjunction therewith to facilitate a financial transaction for at least some of the subscribing employees and including:
a database including a list of subscribing employees and available accrued and unpaid earnings for at least some of the subscribing employees;
a transaction processor operative to access the database to determine the available accrued and unpaid earnings for a given one of the subscribing employees to transfer value on behalf of the given one of the subscribing employees and debit the available and unpaid earnings of the given employee on the database in the amount of the transferred value.

a local server operative to communicate with wireless communications device to operate in conjunction therewith to facilitate a financial transaction for at least some of the subscribing employees, the local server further operative to receive payroll records of the employer of the employees, the payroll records including accrued but unpaid earnings of at least some of the subscribing employees for a current pay period and including:
a database including a list of subscribing employees and available accrued and unpaid earnings for at least some of the subscribing employees, the database further including records of value transferred on behalf of subscribing employees during the current pay period;
and
a local server transaction processor operative to access the database to determine the available accrued and unpaid earnings for a given one of the subscribing employees, and transfer value on behalf of the given one of the subscribing employees, debit the available and unpaid earnings of the given employee on the database for the transferred value and provide an employer of the subscribing employees with a record of value transfer transactions for a predetermined time period ending prior to disbursement of accrued earnings for a pay period.

1 more element

A system for providing access to employees of accrued and unpaid earnings representing unpaid earnings prior to the end of a current pay period, the employees subscribing to the system to obtain such access with a personal wireless communications device, comprising:

a local server operative to communicate with the personal wireless communications device to operate in conjunction therewith to facilitate a financial transaction for at least some of the subscribing employees, the local server further operative to receive payroll records of the employer of the employees, the payroll records including accrued but unpaid earnings of at least some of the subscribing employees for a current pay period and including:
a database including a list of subscribing employees and available accrued and unpaid earnings for at least some of the subscribing employees, the database further including records of value transferred on behalf of subscribing employees during the current pay period;
a local server transaction processor operative to interface with personal wireless communications device to access the database to determine the available accrued and unpaid earnings for a given one of the subscribing employees and transfer value on behalf of the given one of the subscribing employees and debit the available and unpaid earnings of the given employee on the database for the transferred value;
and
wherein the local transaction server is operative to provide records of value transferred on behalf of subscribing employees sufficient to enable the employer to deduct the amount of value transferred on behalf of subscribing employees during the current pay period from the subscribing employees' earnings at the end of the current pay period.

2 more elements

Dependencies are inferred from the claim text.

System for providing employees access to accrued but unpaid earnings

Life of this patent

System for providing employees access to accrued but unpaid earnings

Life of this patent

Abstract

Claims19