Patent ID: 8463669

Claim:
A system for providing access to employees of accrued and unpaid earnings representing unpaid earnings prior to the end of a current pay period, the employees subscribing to the system to obtain such access, comprising: at least one employee access node located in an employer facility, the employee access node including: physical resources associated with the employee access node for interfacing with subscribing employees to transfer value on the behalf thereof; and a transaction processor for facilitating transfer of value on behalf of the subscribing employees; a local server operative to communicate with the at least one employee access node to operate in conjunction therewith to facilitate a financial transaction for at least some of the subscribing employees and including: a database including a list of subscribing employees and available accrued and unpaid earnings for at least some of the subscribing employees; a local server transaction processor operative to interface with the at least one employee access node to access the database to determine the available accrued and unpaid earnings for a given one of the subscribing employees, accessing the at least one employee access node, and transfer value on behalf of the given one of the subscribing employees and debit the available and unpaid earnings of the given employee on the database for the transferred value.