US 12,443,933 B2
Instant network cash transfer at point of sale
Theresa Ann Clements, San Diego, CA (US); Daniel David, Charlotte, NC (US); Shane D. Eaton, Charlotte, NC (US); Albert Hwu, San Francisco, CA (US); Derek D. Mohr, Cornelius, NC (US); James C. Noe, Charlotte, NC (US); Jacob T. Orth, San Francisco, CA (US); and Michelle E. Ziolkowski, Troy, OH (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Mar. 6, 2024, as Appl. No. 18/596,921.
Application 18/596,921 is a continuation of application No. 18/094,813, filed on Jan. 9, 2023, granted, now 11,948,134.
Application 18/094,813 is a continuation of application No. 16/429,679, filed on Jun. 3, 2019, granted, now 11,551,190.
Prior Publication US 2024/0211905 A1, Jun. 27, 2024
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/10 (2013.01) [G06Q 20/3278 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
analyzing, by a merchant computing system, employee information for an employee of a merchant to determine one or more time periods where the employee is working;
aggregating, by the merchant computing system, tip amounts of the employee based on the employee information to determine an aggregated tip amount; and
automatically transmitting, by a payment system provider computing system in real-time, an amount of funds from a first financial account of the merchant to a second financial account of the employee based on the aggregated tip amount via a selected payment rail, wherein the amount of funds are transferred via an electronic deposit being made from the first financial account to the second financial account and without a pending status on the first financial account and the second financial account such that the amount of funds are immediately available for use by the employee.