| 摘要 |
Various embodiments are related to apparatuses and methods related to payroll processing. An employee can designate a customized payroll pay period, and each employee can designate a different payroll pay period. For example, the employee can designate to receive payroll payments on any frequency supported by the employer, including receiving a daily payroll payment on each day that the employee works. The employee's employer can make payroll payments according to the employee's designation. Further, when the employer is a merchant that makes sales each day using, for example, a point of sale system, the employer can electronically pay the employee using funds from the day's sales. For example, the employee can work on a selected day, and can receive an electronic payroll payment at the end of the shift. The employee can immediately use the just received electronic payment funds to purchase a good from a second merchant. |
| 主权项 |
1. A method comprising:
enabling, by a buyer/seller platform implemented on a networked computer system, a plurality of merchants to receive electronic payments made by a plurality of customers, the electronic payments associated with sales of goods or services to the plurality of customers,
the electronic payments made by the plurality of customers by use of payment cards,the buyer/seller platform processing the electronic payments made by use of the payment cards, the processing including obtaining funds from accounts associated with the payment cards and depositing a portion of the funds in the merchants' bank accounts, whereby the funds from the accounts associated with the payment cards are payment card funds; sending a message, by the buyer/seller platform, that causes a first mobile device to present a payroll pay period interface to a first employee of the plurality of employees of the merchant, the payroll pay period interface being able to accept a designation of a payroll pay period capable of being customized by each employee of the plurality of employees, the merchant being a merchant of the plurality of merchants; receiving, by the buyer/seller platform and from the first mobile device, a designation of a first customized payroll pay period made by the first employee; updating, by the buyer/seller platform, a payroll database based on the first customized payroll pay period designation; receiving on a first date, by the buyer/seller platform, from a first point of sale (POS) system of the merchant, first payment card information for a first electronic payment made to the merchant by a first customer; sending a message, by the buyer/seller platform, to trigger a first electronic transfer of a first payroll payment to be sent to the first employee on the first date,
wherein the first electronic transfer of the first payroll payment is based on funds, not yet received by the merchant or the buyer/seller platform, from the first electronic payment,wherein the first date corresponds to the first customized payroll pay period designation,wherein the first electronic transfer of the first payroll payment includes a credit of funds for the first payroll payment to an account of the first employee, andwherein the funds from the first electronic payment are received, by the buyers/seller platform or by the merchant, after the credit of the funds for the first payroll payment occurs; sending a message, by the buyer/seller platform, that causes a second mobile device to present a pay period interface to a second employee of the plurality of employees; receiving, by the buyer/seller platform and from the second mobile device, a designation of a second customized payroll pay period made by the second employee; updating, by the buyer/seller platform, the payroll database based on the second customized payroll pay period designation; receiving on a second date, by the buyer/seller platform, from a second POS system of the merchant, second payment card information for a second electronic payment made to the merchant by a second customer; sending a message, by the buyer/seller platform, to trigger a second electronic transfer of a second payroll payment to be sent to the second employee on the second date,
wherein the second electronic transfer of the second payroll payment is based on funds, not yet received by the merchant or the buyer/seller platform, from the second electronic payment, andwherein the second date corresponds to the second customized payroll pay period designation. |
