Square, Inc.

Block, Inc.

Connor H Dunn

Caroline Hollis

Amir Nathoo

Theodore Kosev

Linnea Perelli-Minetti

James Colin Brady

Emily McLinden

One or more processors receive, from a payroll application, payroll data specifying employment and payroll information associated with an employer. The payroll application is associated with a payment service. Transaction data is received specifying payments between one or more customers and the employer. A trained model is used to generate a risk score based at least in part on the payroll data and the transaction data, the model having been trained using past payroll data and past transaction data associated with a plurality of merchants. Based at least in part on determining that the risk score satisfies a threshold, an instruction is sent to cause the payroll application to present an interface element in a user interface of the payroll application, Selection of the interface element triggers a delay of an electronic withdrawal of funds from the employer account from a first date to a later date.

Electronic payroll funds transfer delay and failed transfer coverage

The proposed system allows merchants to have more time to finalize payroll and to have access to capital for payroll processing. This system/process may include identifying eligible employer devices based on a risk score and transaction data received by the system. The system and process further includes providing an interface element via a user interface that activates a delay upon selection, and delaying initiation of an electronic payroll payment from a first date to a second date responsive to receiving selection of the interface element.

A salesperson may be paid commissions for products sold from the inventory of a merchant. In some examples, the commissions for different products may be determined and changed dynamically, throughout the course of a business day, in response to changing sales rates and inventory conditions. Specifically, commissions may be changed to increase the sales rates of certain products over others. As an example, it may be desired to increase the sales rates of products having relatively high inventory counts and/or that are nearing the expiration of their shelf lives. The changing commission amounts are published or advertised to the salespersons throughout the day so that the salespersons can see which products will produce the highest commissions. The commissions may be paid electronically, immediately or soon after the transactions in which the commissions were earned.

Dynamically changing sales commissions

In some examples, a payment service may enable employees to be paid after every work shift. After a payroll payment for a first work shift, however, corrections to the amount of the payroll payment may be provided by the employer. When corrections reveal that an overpayment has occurred, at least a portion of the overpayment is deducted from the payroll payment for a second work shift that is subsequent to the first work shift. In some cases, the entire overpayment may be deducted from the payroll payment for the second work shift. In other cases, the overpayment may be deducted in installments from each of multiple subsequent payroll payments, which correspond respectively to work shifts that are subsequent to the first work shift.

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San Francisco, CA, United States of America

Connor H Dunn