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Real time funding solution for miscellaneous income

  • US 10,134,016 B2
  • Filed: 11/18/2014
  • Issued: 11/20/2018
  • Est. Priority Date: 11/18/2014
  • Status: Active Grant
First Claim
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1. A computer system for funding of a payroll card, comprising:

  • a hardware memory device that stores program instructions; and

    a processor that executes the program instructions and causes the computer system to;

    in response to receipt of a payment at a point of sale terminal or through a global workforce management system, instantly transmit, from the point of sale terminal or the global workforce management system, transaction information in a transaction file to a funding card processing system via a gateway and using real-time web services application programming interfaces (APIs);

    process the transaction file by validating, interpreting and parsing the transaction file which includes a request for funding of the payroll card with miscellaneous income;

    receive a response and confirmation that the funding of the payroll card has been completed; and

    post transactional results to an end user as one or more different reports, wherein;

    the miscellaneous income comprises non-wage income,the processing of the transaction file is a real-time, automated batch file process and includes crediting the payroll card of an identified user with the miscellaneous income, andthe processing of the transaction file includes validating payroll card information, cardholder information, payroll card balance, and client information.

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