Patent ID: 11961105
Assignee: GANART TECHNOLOGIES, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 3:
4. The method of claim 1, further comprising:
generating, at the remote networked terminal, an electronic request to transfer a portion of the accrued and unpaid earnings to selected one or ones of the participating stores;
receiving, with the central office processor, the electronic request to transfer the portion of the accrued and unpaid earnings to the selected one or ones of the participating stores;
transmitting, from one or more of the participating stores, a query to a bank, wherein the query requests verification of an account of the employee;
transferring, from the bank, the portion of accrued and unpaid earnings to a sponsoring bank where the selected one or ones of the participating stores maintains the account wherein the transferred portion of the accrued and unpaid earnings are held whereupon the employee may utilize the transferred portion of the accrued and unpaid earnings to make purchases at the selected one or ones of the participating stores;
updating, with the central office processor, the record of accrued and unpaid earnings for the predetermined time period in the database to reflect the transferred portion of the accrued and unpaid earnings;
identifying a category of the transferred portion of accrued and unpaid earnings based on a source of the accrued and unpaid earnings, wherein the identifying of the transferred portion of accrued and unpaid earnings separately categorizes the source of the transferred portion of accrued and unpaid earnings from other funds in the account of the employee; and
limiting use of funds in the account of the employee based on the category of the transferred portion of accrued and unpaid earnings and based on a category of other funds in the account of the employee.