Method and system of accretive value store loyalty card program

US11961105B2 · kind B2 · utility

Assignee

• Ganart Technologies, Inc. · US

Inventors

• Mohamed Safir Salihu · Coppell, US
• Wayne Thomas McHugh · Little Elm, US
• Arthur Martin Holbrook · Carrollton, US
• Purnendu Mishra · Frisco, US
• Lee Coleman · Kintbury, GB

Key dates

• Filing date: Oct 24, 2014
• Grant date: Apr 16, 2024
• Expiry date: Oct 24, 2034

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0232
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method of enabling an employee to utilize earned and unpaid earnings includes receiving, with a with a central office processor, a record of an employee's accrued and unpaid earnings for a predetermined time period and storing the record in a database. The method further includes receiving, with the central office processor, an electronic request from an employee to access the employee's record of accrued and unpaid earnings for the predetermined time period. Upon receipt of the request, the central office processor accesses the database including the record of the employee's accrued and unpaid earnings for the predetermined time period and determines an amount of the employee's accrued and unpaid earnings for the predetermined time period available to the employee and transmits the amount for display to the employee. The central office processor may also authenticate the employee's identity upon receiving the request to access the employee's accrued and unpaid earnings by comparing verification information transmitted from the user device to information in the employee record.