Patent application number | Description | Published |
20090127328 | BIOMETRIC MULTI-PURPOSE BIOMETRIC TERMINAL, PAYROLL AND WORK MANAGEMENT SYSTEM AND RELATED METHODS - A time and attendance biometric terminal communicates with a payroll system via general packet radio service (GPRS) protocol. The biometric terminal may be remotely activated and set up by entry of its serial number and an internal activation token, which are both supplied after payment information is first entered and verified. Payroll stubs may be printed at a facsimile machine or at a remote printer by the steps of identifying a person, communicating with a payroll database to obtain payroll information for the identified person, communicating the payroll information for the identified person to the remote printer, and printing the obtained payroll information at the facsimile machine or at the remote printer as a payroll stub. | 05-21-2009 |
20120330744 | Real-Time Multi-Merchant Multi-Payer Multi-Bucket Open Loop Debit Card, Credit Card or Mobile Payment Device Value Tracking and Discount Processing Systems and Related Methods - A system for receiving a real-time discount with an open loop debit card, credit card or mobile payment device in a multi-merchant, multi-payer commercial environment. The system has a plurality of buckets with information concerning discounts currently available, a point of sale (POS) device initiates a transaction, a financial processor transmits a query to an account issuing bank to determine whether the payer has sufficient funds for the transaction, the issuing bank communicates with the discount system in real time to determine if a discount is available, if a discount is available, the issuing bank borrows the amount of the discount by from an issuing bank discount reserve pooled (IBDRP) account and the issuing bank credits the payer's account in real time with the amount of the discount. | 12-27-2012 |
20130275192 | Social Network Driven Real-Time Multi-Player, Multi-Merchant, Multi-Bucket Discounting Social Commerce System With Value Tracking, Multi-Layer Commission Forwarding and Discount Processing Systems and Related Methods - Methods for a buyer to receive a discount from a merchant or another member in a multi-merchant, multi-payer internet commerce platform in a social network. The methods relate to deals which include loyalty-based discounts, prepaid discounts and/or coupon discounts. A buyer may wish a deal form a selected merchant at a selected discount. Upon acceptance by the merchant, the deal is published and available to all members. Existing members may sponsor friends or businesses to become members of the internet commerce platform. New businesses listed on the internet commerce platform are subject to verification by current members entering business telephone numbers and determining if the entered numbers match. Further verification may include an interactive voice response test performed on the business manager's mobile telephone number. | 10-17-2013 |