CREATING REVENUE SOURCES USING PAYROLL PROCESSING
Example methods, apparatuses, and articles of manufacture are disclosed that may be used to provide or otherwise support creating new and/or reoccurring revenue sources using novel payroll processing techniques.
1 . A method comprising:
processing employee payroll for at least one employer, said processing comprising:
electronically deducting funds from after-tax payments to one or more employees; and
electronically accounting for the deducted funds for pre-payment of goods or services to be obtained at a discount by said one or more employees due, at least in part, to said pre-payment.
2 . The method of claim 1 , and further comprising:
transferring the deducted funds to at least one of the following: at least one employer; a payroll processing entity; a pre-spending benefit entity; or a provider of said goods or services.
3 . The method of claim 1 , wherein said processing includes engaging a payroll processing entity.
4 . The method of claim 1 , wherein said electronically deducting funds is based, at least in part, in having the funds deducted from after-tax payments of said one or more employees' by indication to participate to at least one of the following: at least one employer; a payroll processing entity; a pre-spending benefit entity; or a provider of said goods or services.
5 . A method comprising:
receiving funds electronically at a particular account for one or more employees;
said funds having been electronically deducted from after-tax payments to one or more employees and electronically received in exchange for pre-payment of goods or services to be obtained at a discount by said one or more employees due, at least in part, to said pre-payment.
6 . The method of claim 5 , wherein at least one of the following receives said funds: a pre-spending benefit entity; a provider of said goods or services; a payroll processing entity; or at least one employer.
7 . The method of claim 5 , and further comprising:
providing at least one of the following to said one or more employees in exchange for said pre-payment: a coupon received via mail; a printable coupon received electronically; a gift/stored value card received via mail; a printable gift/stored value card received electronically; a displayable electronic card; a displayable electronic coupon; an omni-stored value card; or any combination thereof.
8 . An article comprising:
a storage medium having instructions stored thereon executable by a special purpose computing platform to process employee payroll for at least one employer; and further to electronically deduct funds from after-tax payments to one or more employees; and electronically account for the deducted funds for pre-payment of goods or services to be received at a discount by said one or more employees due, at least in part, to said pre-payment.
9 . The article of claim 8 , wherein said storage medium further includes instructions to permit said one or more employees to participate in having funds deducted from after-tax payments.
10 . The article of claim 8 , wherein said storage medium further includes instructions to transfer the deducted funds to at least one of the following: a pre-spending benefit entity; a provider of said goods or services; a payroll processing entity; or at least one employer.
11 . An article comprising:
a storage medium having instructions stored thereon executable by a special purpose computing platform to receive funds electronically at a particular account for one or more employees;
said funds having been electronically deducted from after-tax payments to one or more employees and electronically received in exchange for pre-payment of goods or services to be obtained at a discount by said one or more employees due, at least in part, to said pre-payment.
12 . The article of claim 11 , wherein said storage medium further includes instructions to enable at least one of the following to receive said funds: a pre-spending benefit entity; a provider of said goods or services; a payroll processing entity; or at least one employer.
13 . The article of claim 11 , wherein said storage medium further includes instructions to create tradable discounts for goods or services in exchange for said funds.
14 . The article of claim 11 , wherein said storage medium further includes instructions to electronically receive updates relating to said funds from at least one of the following: a pre-spending benefit entity; a provider of said goods or services; a payroll processing entity; or at least one employer.
15 . The article of claim 14 , wherein said storage medium further includes instructions to include in said updates at least one of the following: an itemized purchase history of said one or more employees, said history being related to said provider of said goods or services; an amount of the deducted funds; a balance of funds available to said one or more employees after obtaining said goods or services by said one or more employees; or any combination thereof.
16 . The article of claim 14 , wherein said storage medium further includes instructions so that said updates are capable of being performed via real time communications.
17 . An apparatus comprising:
a computing platform to process employee payroll for at least one employer, in which said computing platform is to electronically deduct funds from after-tax payments to one or more employees, and is to electronically account for the deducted funds for pre-payment of goods or services to be obtained at a discount by said one or more employees due, at least in part, to said pre-payment.
18 . The apparatus of claim 17 , wherein said computing platform further to transfer the deducted funds to at least one of the following: a pre-spending benefit entity; a provider of said goods or services; a payroll processing entity; or at least one employer.
19 . An apparatus comprising:
a computing platform to receive funds electronically at a particular account for one or more employees;
said funds having been electronically deducted from after-tax payments to one or more employees and electronically received in exchange for pre-payment of goods or services to be obtained at a discount by said one or more employees due, at least in part, to said pre-payment.
20 . The apparatus of claim 19 , wherein at least one of the following receives said funds: a pre-spending benefit entity; a provider of said goods or services; a payroll processing entity; or at least one employer.
21 . The apparatus of claim 19 , wherein said computing platform is further enabled to create tradable discounts for goods or services in exchange for said funds.
22 . A method comprising:
permitting one or more employees to electronically participate in:
having funds deducted from after-tax payments; and
having the deducted funds accounted for pre-payment of goods or services to be obtained at a discount by said one or more employees due, at least in part, to said pre-payment.
23 . The method of claim 22 , wherein said permitting one or more employees to electronically participate in having funds deducted from after-tax payments is capable of being performed by using a network browser of a specific device of said one or more employees.
24 . The method of claim 23 , wherein said network browser of said specific device to recognize an indication to participate in having funds deducted from after-tax payments for pre-payment of goods or services to be obtained at a discount by said one or more employees.
25 . The method of claim 22 , wherein the permission is based, at least in part, on real-time communications.
26 . A method comprising:
creating tradable discounts for goods or services in exchange for funds having been electronically deducted from after-tax payments to one or more employees and electronically received in exchange for pre-payment of goods or services to be obtained at a discount by said one or more employees due, at least in part, to said pre-payment;
wherein said discount comprises at least one of the following: an unallocated discount; or an allocated discount.
27 . The method of claim 26 , wherein said allocated discount is greater than said unallocated discount.
28 . The method of claim 26 , wherein tradable discounts are traded through at least one of the following: a pre-spending benefit entity; or a provider of goods or services.