Management of Payroll Lending Within an Enterprise System

• US 20170301013A1
• Filed: 04/15/2016
• Published: 10/19/2017
• Est. Priority Date: 04/15/2016
• Status: Active Grant

• Current Assignee: ADP, Inc.
• Original Assignee: ADP LLC (ADP, Inc.)
• Inventors: Alejo, Newsbelkis C., Chauhan, Neel Lee, Lozano, Ruth T.
• Granted Patent: US 10,762,559 B2
• Time in Patent Office: Days
• CPC Class Codes: G06F 21/6245 Protecting personal data, e.g. for financial or medical purposes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A method and apparatus for facilitating access to credit scores in an enterprise system. A request that includes a context resource identifier may be received at a proxy server from a client. The proxy server controls access to a resource associated with an interface that is referenced by the context resource identifier using a profile that is dynamically built for a user of the client based on a plurality of resource profiles received from a plurality of interfaces in communication with the proxy server. The proxy server sends a response generated by the resource to the client. The response includes a credit score for an entity that is based on a current financial state of the entity. Controlling access to the resource based on the context resource identifier and the profile for the user increases a speed of access to the resource in the enterprise system.

Claims

1. A method for facilitating access to credit scores in an enterprise system, the method comprising:

receiving, at a proxy server, a request that includes a context resource identifier from a client;

controlling, by the proxy server, access to a resource associated with an interface that is referenced by the context resource identifier using a profile that is dynamically built for a user of the client based on a plurality of resource profiles received from a plurality of interfaces in communication with the proxy server; and

sending, by the proxy server, a response generated by the resource to the client,

wherein the response includes a credit score for an entity that is based on a current financial state of the entity; and

wherein controlling access to the resource based on the context resource identifier and the profile for the user increases a speed of access to the resource in the enterprise system.

2. The method of claim 1, wherein sending, by the proxy server, the response comprises:

receiving the credit score from the resource for the user, wherein the entity is a business entity and wherein the credit score is based on at least one of a number of employees, a general ledger, an average size of payroll, a number of years in business, a financial standing of the business entity, a current tax state for the business entity, a business start date, an industry type, a status of funds, and a start date for joining the enterprise system; and

sending the credit score to the client for use by the user of the client.

3. The method of claim 1, wherein controlling, by the proxy server, access to the resource comprises:

determining whether the interface referenced by the context resource identifier requires an authorization for the user; and

determining whether an existing profile for the user is present within a cache that is in communication with the proxy server in response to a determination that the interface requires the authorization for the user.

4. The method of claim 3, wherein controlling, by the proxy server, access to the resource further comprises:

building, dynamically, a new profile for the user in response to a determination that the existing profile is not present within the cache; and

storing the new profile in the cache in association with a logical expiration time and a physical expiration time for the new profile.

5. The method of claim 4, wherein controlling, by the proxy server, access to the resource further comprises:

determining whether the user is authorized to access the resource based on the new profile built for the user and a role of the user; and

routing the request to the resource in response to a determination that the user is authorized to access the resource.

6. The method of claim 5, wherein controlling, by the proxy server, access to the resource further comprises:

generating an error code in response to a determination that the user is not authorized to access the resource; and

sending the error code to the client through a gateway.

7. The method of claim 6, wherein building, dynamically, the new profile for the user comprises:

discovering, dynamically, the plurality of interfaces that are in communication with the proxy server;

obtaining the plurality of resource profiles from the plurality of interfaces, wherein each resource profile in the plurality of resource profiles is generated by a corresponding interface in the plurality of interfaces and includes a set of endpoint references and authorization information; and

building the new profile for the user based on the authorization information in the each resource profile in the plurality of resource profiles.

8. The method of claim 1, wherein controlling, by the proxy server, access to the resource comprises:

determining whether the user is authorized to access the resource based on an existing profile built for the user; and

routing the request to the resource in response to a determination that the user is authorized to access the resource.

9. The method of claim 1, wherein sending, by the proxy server, the response comprises:

receiving, by the proxy server, the response that includes the credit score from the resource through the interface after the user of the client has been authorized for access to the resource, wherein the resource is a payroll engine and the user is a financial institution.

10. The method of claim 9, wherein sending, by the proxy server, the response further comprises:

filtering, by the proxy server, the response based on a data privacy filter to form a modified response; and

sending, by the proxy server, the modified response to the client.

11. An apparatus comprising:

a resource; and

a proxy server in communication with the resource,

wherein the proxy server receives a request that includes a context resource identifier from a client;

wherein the proxy server controls access to the resource associated with an interface that is referenced by the context resource identifier using a profile that is dynamically built for a user of the client based on a plurality of resource profiles received from a plurality of interfaces in communication with the proxy server;

wherein the proxy server sends a response generated by the resource to the client in which the response includes a credit score for an entity that is based on a current financial state of the entity; and

wherein controlling access to the resource based on the context resource identifier and the profile for the user increases a speed of access to the resource in an enterprise system.

12. The apparatus of claim 11, wherein the credit score is based on at least one of a number of employees, a general ledger, an average size of payroll, a number of years in business, a financial standing of the entity, a current tax state for the entity, a business start date, an industry type, a status of funds, and a start date for joining the enterprise system.

13. The apparatus of claim 12, wherein the proxy server receives the request from the client through a gateway in communication with both the client and the proxy server.

14. A method for improving an efficiency of facilitating payroll through an enterprise system, the method comprising:

receiving a request to perform a payroll operation through a payroll engine from a first client used by a business entity;

establishing, by a proxy server, communications between the payroll engine and a second client used by a financial institution;

determining, by the payroll engine, whether sufficient funds are available at the financial institution to perform the payroll operation;

performing, by the payroll engine, the payroll operation in response to a determination that the sufficient funds are available;

performing, by the payroll engine, a credit line operation in response to a determination that the sufficient funds are not available; and

sending information generated by the payroll engine during at least one of the payroll operation and the credit line operation to the first client,

wherein establishing the communications between the payroll engine and the second client increases the efficiency and speed of performing the payroll operation.

15. The method of claim 14, wherein receiving the request comprises:

receiving the request by the proxy server, wherein the request includes a context resource identifier.

16. The method of claim 15, wherein receiving the request by the proxy server comprises:

receiving the request by the proxy server through a gateway in communication with both the first client and the proxy server.

17. The method of claim 15 further comprising:

determining whether the business entity using the first client is authorized to access the payroll engine, which is associated with an interface that is referenced by the context resource identifier, using a profile that is dynamically built for a user of the client based on a plurality of resource profiles received from a plurality of interfaces in communication with the proxy server.

18. The method of claim 14, wherein performing, by the payroll engine, the credit line operation comprises:

generating, by the payroll engine, a payroll credit score for the business entity based on a current financial state of the business entity.

19. The method of claim 18, wherein performing, by the payroll engine, the credit line operation further comprises:

sending the payroll credit score to the second client for use by the financial institution in determining whether to at least one of establish a line of credit for or provide a loan to the business entity.

20. The method of claim 18, wherein generating, by the payroll engine, the payroll credit score comprises:

generating the payroll credit score based on at least one of a number of employees, a general ledger, an average size of payroll, a number of years in business, a financial standing of the business entity, a current tax state for the business entity, a business start date, an industry type, a status of funds, and a start date for joining the enterprise system.