US 11,727,367 B2
System for providing goods and services based on accrued but unpaid earnings
Anthony M. Cacheria, III, Coppell, TX (US); David Hooker, Forney, TX (US); Wayne Thomas McHugh, Little Elm, TX (US); Kristopher Glover, Dallas, TX (US); Webb Edwards, Lebanon, TN (US); Arthur Martin Holbrook, Carrollton, TX (US); Barrett Jenkins, Plano, TX (US); Purnendu Mishra, Frisco, TX (US); and Mohamed Safir Salihu, Coppell, TX (US)
Assigned to Ganart Technologies, Inc., Dallas, TX (US)
Filed by Ganart Technologies, Inc., Dallas, TX (US)
Filed on Feb. 21, 2022, as Appl. No. 17/676,352.
Application 17/676,352 is a continuation of application No. 17/065,779, filed on Oct. 8, 2020, granted, now 11,276,044.
Application 17/065,779 is a continuation of application No. 16/391,046, filed on Apr. 22, 2019, granted, now 10,810,558, issued on Oct. 20, 2020.
Application 16/391,046 is a continuation of application No. 16/105,415, filed on Aug. 20, 2018, granted, now 10,268,992, issued on Apr. 23, 2019.
Application 16/105,415 is a continuation of application No. 13/915,387, filed on Jun. 11, 2013, granted, now 10,055,716, issued on Aug. 21, 2018.
Application 13/915,387 is a continuation of application No. 12/684,931, filed on Jan. 9, 2010, granted, now 8,463,669, issued on Jun. 11, 2013.
Claims priority of provisional application 61/265,028, filed on Nov. 30, 2009.
Claims priority of provisional application 61/143,480, filed on Jan. 9, 2009.
Prior Publication US 2022/0172182 A1, Jun. 2, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/08 (2012.01); G06Q 20/18 (2012.01); G06Q 20/04 (2012.01); G06Q 20/06 (2012.01); G06Q 20/10 (2012.01); G06Q 30/06 (2023.01); G06Q 30/0601 (2023.01); G06Q 40/12 (2023.01); G06Q 10/1057 (2023.01)
CPC G06Q 20/08 (2013.01) [G06Q 10/1057 (2013.01); G06Q 20/04 (2013.01); G06Q 20/042 (2013.01); G06Q 20/065 (2013.01); G06Q 20/10 (2013.01); G06Q 20/105 (2013.01); G06Q 20/1085 (2013.01); G06Q 20/18 (2013.01); G06Q 30/06 (2013.01); G06Q 30/0601 (2013.01); G06Q 40/125 (2013.12)] 18 Claims
OG exemplary drawing
 
1. A system for providing, to subscribing employees of the system, access to accrued and unpaid earnings representing unpaid earnings prior to an end of a current pay period, the system comprising:
a central processor coupled to a central database, wherein the central processor is connected to a transmission interface that interfaces between the central processor and a local processor, wherein the local processor determines from a local database the accrued and unpaid earnings for each of the subscribing employees during the current pay period;
wherein the central processor is configured to:
receive a request from the local processor to transfer a requested amount of the accrued and unpaid earnings for a requesting one of the subscribing employees from the local database;
update the central database; and
transfer a value associated with the requesting one of the subscribing employees in the requested amount of the accrued and unpaid earnings.