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1. 发明授权

US10318956B2 Systems and methods for utilization of earned but unpaid income 有权
公开(公告)号：US10318956B2
公开(公告)日：2019-06-11
申请号：US15256746
申请日：2016-09-06
申请人： PAYACTIV, INC.
发明人： Safwan Shah , Sohail Aslam , Ijaz Anwar
IPC分类号： G06Q20/40 , G06Q10/10 , G06Q20/32 , G06Q20/36 , G06Q40/02
摘要： Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure may be invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income may be recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying a financial service, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request may be fulfilled and a deduction file associated with an employer of the user is updated.

2. 发明申请

US20160371661A1 SYSTEMS AND METHODS FOR UTILIZATION OF EARNED BUT UNPAID INCOME 审中-公开
标题翻译：用于收入的收入的系统和方法
公开(公告)号：US20160371661A1
公开(公告)日：2016-12-22
申请号：US15256746
申请日：2016-09-06
申请人： PAYACTIV, INC.
发明人： Safwan Shah , Sohail Aslam , Ijaz Anwar
IPC分类号： G06Q20/10 , G06Q20/40 , G06Q20/36 , G06Q10/10 , G06Q20/32
CPC分类号： G06Q20/401 , G06Q10/105 , G06Q20/3223 , G06Q20/3674 , G06Q40/025
摘要： Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure may be invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income may be recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying a financial service, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request may be fulfilled and a deduction file associated with an employer of the user is updated.
摘要翻译：提供了获得获得但未付的收入的系统和方法。计算所得但未付收入的可用余额。可以从远程设备接收登录请求和设备信息，并且可以基于登录设备类型的评估的安全级别来调用登录过程。在成功验证远程设备时，可能会重新计算所获得的未支付收入的可用余额。向用户显示金融服务列表，并且可以从远程设备接收请求以获得指定金融服务，金额和扣除时间表的获得但未付的收入。显示交易的条款和条件，包括费用，并且接收到表示接受的信号。该请求可以被实现，并且与用户的雇主相关联的扣除文件被更新。

3. 发明申请

US20220198353A1 SYSTEM AND METHOD FOR SHIFT SCHEDULE MANAGEMENT 有权
公开(公告)号：US20220198353A1
公开(公告)日：2022-06-23
申请号：US17537501
申请日：2021-11-30
申请人： PAYACTIV INC.
发明人： Sohail Aslam , Safwan Shah , Anand P. Narayan
IPC分类号： G06Q10/06 , G06Q10/10 , G06Q40/00 , G06V10/762 , G06N20/00
摘要： Implementations relate to methods and systems to identify problem shifts. In some implementations, a method includes obtaining a plurality of published shift schedules, each published shift schedule associated with a respective shift of a respective employer of one or more employers, wherein each published shift schedule includes a location attribute, industry code attribute, and week indicator attribute; for each published shift schedule, obtaining a corresponding time and attendance record; programmatically analyzing the published shift schedule and the corresponding time and attendance record to determine unscheduled shifts; and adding unscheduled shift data associated with one or more unscheduled shifts to a training corpus, wherein the unscheduled shift data includes two or more of an employer identifier, a location identifier, a shift identifier, an industry identifier, an employee identifier, a job type identifier; and applying a machine learning algorithm to the training corpus to determine a plurality of problem shifts.

4. 发明申请

US20160086261A1 METHOD AND SYSTEM FOR PROVIDING JUST IN TIME ACCESS TO EARNED BUT UNPAID INCOME AND PAYMENT SERVICES 审中-公开
标题翻译：方法和系统只能在时间上提供收入和支付服务
公开(公告)号：US20160086261A1
公开(公告)日：2016-03-24
申请号：US14849851
申请日：2015-09-10
申请人： PAYACTIV Inc.
发明人： Safwan Shah , Sohail Aslam , Ijaz Anwar
IPC分类号： G06Q40/02 , G06Q20/18 , G06Q20/32 , G06Q10/10
CPC分类号： G06Q40/025 , G06Q10/105
摘要： Methods and systems (including associated devices) are disclosed herein that allow for the providing of one or more financial services, including the facilitating of access to accrued but unpaid earnings, to users such as employees of employers. In at least some embodiments, the extent to which services can be accessed or used is determined at least in part based upon one or more risk determinations. For example, in the case of a service for distributing accrued but unpaid earnings before an end of a pay period to an employee (sometimes in the absence of immediate access to a number of hours the employee has worked), risk factors such as a number of future repayments promised as well as a currency multiple can be used to adjust a risk score. Also, in at least some embodiments, access by an employee to an account is performed via a kiosk and allowed only if a code provided to an employee mobile device is entered at the kiosk.
摘要翻译：本文公开的方法和系统（包括相关设备）允许向用户（例如雇主的雇员）提供一个或多个金融服务，包括促进获得应计但未付的收入。在至少一些实施例中，至少部分地基于一个或多个风险确定来确定可以访问或使用服务的程度。例如，在向雇员（有时在没有即时访问员工工作时间的几个小时）之前分配累算但未付收入的服务的情况下，诸如数字的风险因素承诺的未来还款和多币种可用于调整风险分数。此外，在至少一些实施例中，雇员通过信息亭执行对帐户的访问，并且仅当提供给雇员移动装置的代码被输入到信息亭时才允许。

5. 发明授权

US11636484B2 Systems and methods for cash access to earned but unpaid income 有权
公开(公告)号：US11636484B2
公开(公告)日：2023-04-25
申请号：US16394807
申请日：2019-04-25
申请人： PAYACTIV, INC.
发明人： Safwan Shah , Sohail Aslam , Ijaz Anwar
IPC分类号： G06Q40/00 , G06Q20/32 , G06Q20/36 , G06Q20/40 , G06Q10/105 , G06Q40/03 , G06Q40/12
摘要： Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure is invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income is recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying cash access, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request is fulfilled, cash dispensed, and a deduction file associated with an employer of the user is updated.

6. 发明申请

US20200242605A1 SYSTEMS AND METHODS FOR ENROLLMENT AND ONBOARDING OF USERS FOR REAL-TIME PAYROLL SYSTEMS 审中-公开
公开(公告)号：US20200242605A1
公开(公告)日：2020-07-30
申请号：US16846368
申请日：2020-04-12
申请人： PAYACTIV, INC.
发明人： Safwan Shah , Sohail Aslam , Ijaz Anwar
IPC分类号： G06Q20/40 , G06Q40/02 , G06Q20/36 , G06Q20/32 , G06Q10/10
摘要： Methods and systems (including associated devices) are disclosed herein that allow for the enrollment and onboarding of users, in systems that provide access to accrued but unpaid earnings, to users such as employees of employers. In at least some embodiments, a scoring engine is used that verifies the identity of an enrolling employee. An enrollment processor is used which is operatively coupled to an employer database. Also, in at least some embodiments, enrollment is allowed if queries generated by a rules and scoring engine and posed to an employee is responded to using an access device.

7. 发明申请

US20190251564A1 SYSTEMS AND METHODS FOR CASH ACCESS TO EARNED BUT UNPAID INCOME 审中-公开
公开(公告)号：US20190251564A1
公开(公告)日：2019-08-15
申请号：US16394807
申请日：2019-04-25
申请人： PAYACTIV, INC.
发明人： Safwan Shah , Sohail Aslam , Ijaz Anwar
IPC分类号： G06Q20/40 , G06Q40/02 , G06Q10/10 , G06Q20/32 , G06Q20/36
CPC分类号： G06Q20/401 , G06Q10/105 , G06Q20/3223 , G06Q20/3674 , G06Q40/025
摘要： Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure is invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income is recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying cash access, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request is fulfilled, cash dispensed, and a deduction file associated with an employer of the user is updated.

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