Zenpayroll, Inc.

Chris Shen

Sahil Jolly

Kathy Lin

Namrata Jain

Jeanette Quick

Elizabeth Lee Scanlon

Yair Levin

Matthew Castillon

David Tao

A flexible advance system allows users to request and receive advances instantly. The flexible advance system facilitates intra-system transfers between a third-party entity and employee accounts at a third-party system by generating and providing funding instructions to the third-party entity. Funding instructions include a funding amount that the flexible advance system predicts using one or more machine-learned models that account for seasonality and time delays. In executing the instructions from the flexible advance system, the third-party entity transfers funds to its entity account with the third-party system based on the funding amount. Once the flexible advance system receives an indication that the third-party entity has executed the instructions, the flexible advance system authorizes users of the flexible advance system to request short-term advances. The flexible advance system processes short-term advances such that corresponding funds are immediately transferred from the entity account of the third-party entity to employee accounts without delay.

User behavior-based machine learning in entity account configuration

Growing community of inventors

Millbrae, CA, United States of America

Chris Shen