US 12,469,089 B1
Advancement of earned wages via payroll service
Zachary Haitz, San Leandro, CA (US); Jeffrey Rauch, San Francisco, CA (US); and Walid Owais, Richmond, TX (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., Oakland, CA (US)
Filed on Dec. 20, 2024, as Appl. No. 18/991,338.
Application 18/991,338 is a continuation of application No. 17/989,558, filed on Nov. 17, 2022, abandoned.
Application 17/989,558 is a continuation of application No. 16/457,711, filed on Jun. 28, 2019, granted, now 11,538,118, issued on Dec. 27, 2022.
Application 16/457,711 is a continuation of application No. 15/800,002, filed on Oct. 31, 2017, granted, now 10,339,608, issued on Jul. 2, 2019.
Int. Cl. G06Q 50/00 (2024.01); G06Q 20/26 (2012.01); G06Q 40/12 (2023.01); G06Q 50/02 (2024.01)
CPC G06Q 40/125 (2013.12) [G06Q 20/26 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a device of a payroll service, employer information indicating at least an employer account of an employer with a payroll service;
receiving, by the device of the payroll service and from a user device of an employee via an application executing on the user device, a request for a payment of earned wages for work by the employee for the employer in a current pay period, wherein the payment is in advance of a payday associated with the current pay period;
determining, by the device of the payroll service, that the employer account has not received payroll funds corresponding to the earned wages from a bank account associated with the employer and;
determining, by the device of the payroll service, that the employee is eligible to receive a portion of the earned wages at a time that is before the employer account has received the payroll funds from the bank account associated with the employer;
facilitating, by the device of the payroll service, transfer of the portion of the earned wages from a financial account of the payroll service to a financial account of the employee;
receiving, in the financial account of the payroll service and from the bank account associated with the employer, the payroll funds associated with the current pay period; and
based at least in part on receiving the payroll funds, facilitating, by the device of the payroll service, a payment from the financial account of the payroll service to the financial account of the employee, of a balance due to the employee for the current pay period.