Patent ID: 6347305
Filing Date: 2002-02-12
Classification: G06Q

Abstract:
A method for selecting and processing payroll deduction as a payment option during electronic commerce between pre-selected vendors and an employee of an employer, the method comprising the steps of:authorizing, by the employer, the pre-selected vendors to offer payroll deduction as a payment option during electronic commerce between the pre-selected vendors and the employee; establishing, by the pre-selected vendors and the employer, guidelines for a payroll deduction plan; storing the guidelines in the pre-selected vendors respective databases or in an external processing system database; selecting, by the employee, articles to be purchased from a web site of at least one pre-selected vendor, confirming on a confirmation page the selected articles, employer information, employee information and payroll deduction information and accepting a financial responsibility agreement; submitting, by the employee to the at least one pre-selected vendor or to the external processing system, at least one electronic order with the selected articles; storing, by the at least one pre-selected vendor or the external processing system, the at least one electronic order in a holding file and contacting the employer to review an order summary of the at least one electronic order; instructing the at least one pre-selected vendor, by the employer through the external processing system, to process the electronic order; and dynamically processing, by the at least one pre-selected vendor or the external processing system, the at least one electronic order based on guidelines.