Systems and methods for enrollment and onboarding of users for real-time payroll systems

Abstract

Methods and systems (including associated devices) are disclosed herein that allow for the enrollment and onboarding of users, in systems that provide access to accrued but unpaid earnings, to users such as employees of employers. In at least some embodiments, a scoring engine is used that verifies the identity of an enrolling employee. An enrollment processor is used which is operatively coupled to an employer database. Also, in at least some embodiments, enrollment is allowed if queries generated by a rules and scoring engine and posed to an employee is responded to using an access device.

What is claimed is: 
     
         1 . A computer-implemented method for processing enrollment in a payroll service, wherein the method comprises:
 receiving, from each of a plurality of employer computer systems, expected employee enrollee data, wherein the expected employee enrollee data include encrypted data fields;   receiving, from a user device associated with an employee, a request for enrollment in the payroll service;
 parsing the request for enrollment to extract received data content in the request for enrollment; 
 computing a score based on the extracted data content; 
 determining if additional verification is to be conducted based on the computed score; 
 if it is determined that additional verification is to be conducted;
 identifying a query to be posed to the employee; 
 transmitting the query to the user device; 
 receiving a response from the user device; and 
 
   determining a match between the received response and expected employee enrollee data;
 in response to the match or if it is determined that additional verification is not to be conducted; 
   processing enrollment of the employee in the payroll service;
 transmitting a confirmation of enrollment of the employee in the payroll service to the user device; and 
 moving the expected employee enrollee data associated with the employee into an employee database. 
   
     
     
         2 . The computer-implemented method of  claim 1 , wherein receiving the request for enrollment comprising receiving the request via an app, and the extracted data content comprises a language selected by the employee. 
     
     
         3 . The computer-implemented method of  claim 1 , wherein receiving the request for enrollment comprising receiving the request via a short messaging service (SMS) message and parsing the request for enrollment comprising detecting a language of the request. 
     
     
         4 . The computer-implemented method of  claim 3 , and a number where the SMS message is received is indicative of an employer associated with the employee. 
     
     
         5 . The computer-implemented method of  claim 1 , wherein the expected employee enrollee data comprises a first portion of encrypted expected employee enrollee data and a second portion of unencrypted expected employee enrollee data. 
     
     
         6 . The computer-implemented method of  claim 5 , wherein the encrypted expected employee enrollee data comprises expected employee enrollee data that is encrypted using an employer specific key transmitted to a corresponding employer computer system. 
     
     
         7 . The computer-implemented method of  claim 5 , wherein computing a score based on the extracted data content comprises computing a score based on a comparison of the extracted data content to data elements that are included the second portion of unencrypted expected employee enrollee data. 
     
     
         8 . The computer-implemented method of  claim 5 , wherein the second portion of unencrypted expected employee enrollee data is loaded into a data cache memory. 
     
     
         9 . The computer-implemented method of  claim 8 , wherein a match happens in the data cache memory. 
     
     
         10 . The computer-implemented method of  claim 8 , wherein a match fails to happen in the data cache memory, and wherein additional data elements are retrieved from a pre-enrollment employee database. 
     
     
         11 . The computer-implemented method of  claim 1 , further comprising transmitting user credentials of the employee to the user device. 
     
     
         12 . The computer-implemented method of  claim 1 , wherein receiving the request for enrollment in the payroll service comprises a deemed enrollment request based on a request for a service associated with the payroll service. 
     
     
         13 . The computer-implemented method of  claim 1 , wherein the extracted data content comprises at least one data element that is a combination of numerals and alphabets coded to indicate an employer associated with the employee. 
     
     
         14 . The computer-implemented method of  claim 1 , wherein the payroll service includes a mechanism for payment of earned but unpaid income. 
     
     
         15 . The computer-implemented method of  claim 1 , wherein the expected employee enrollee data comprises first name, last name, date of birth, phone number, and employee id. 
     
     
         16 . A computer-implemented method for processing enrollment in a payroll service, wherein the method comprises:
 receiving, from each of a plurality of employer computer systems, expected employee enrollee data, wherein the expected employee enrollee data comprises a first portion of encrypted expected employee enrollee data and a second portion of unencrypted expected employee enrollee data;   receiving, at an enrollment processor, from a user device associated with an employee, a request for enrollment in the payroll service;
 parsing, by the enrollment processor, the request for enrollment to extract received data content in the request for enrollment; 
 computing a score, by a scoring engine, wherein the score is indicative of a match confidence based on the extracted data content; 
 determining if additional verification is to be conducted based on the computed score; 
 if it is determined that additional verification is to be conducted;
 identifying a query to be posed to the employee; 
 transmitting the query to the user device; 
 receiving a response from the user device; and 
 determining a match between the received response and expected employee enrollee data; 
 
 in response to the match or if it is determined that additional verification is not to be conducted; 
   processing enrollment of the employee in the payroll service;
 transmitting a confirmation of enrollment of the employee in the payroll service to the user device; and 
 moving the expected employee enrollee data associated with the employee into an employee database. 
   
     
     
         17 . The computer-implemented method of  claim 16 , wherein computing a score based on the extracted data content comprises computing a score based on a comparison of the extracted data content to data elements that are included the second portion of unencrypted expected employee enrollee data. 
     
     
         18 . The computer-implemented method of  claim 16 , wherein receiving the request for enrollment comprising receiving the request via an app, and the extracted data content comprises a language selected by the employee. 
     
     
         19 . A system, comprising:
 a user device associated with an employee, configured to transmit a request for enrollment in a payroll service; and   an enrollment processor, coupled to a data cache memory and to an enrolled employee database, wherein the enrollment processor is configured to:
 receive, from each of a plurality of employer computer systems, expected employee enrollee data, wherein the expected employee enrollee data include encrypted data fields; 
 receive, from the user device associated with an employee, a request for enrollment in the payroll service;
 parse the request for enrollment to extract received data content in the request for enrollment; 
 compute a score based on the extracted data content; 
 determine if additional verification is to be conducted based on the computed score; 
 if it is determined that additional verification is to be conducted;
 identify a query to be posed to the employee; 
 transmit the query to the user device; 
 receive a response from the user device; and 
 
 determine a match between the received response and expected employee enrollee data; 
 in response to the match or if it is determined that additional verification is not to be conducted; 
 
 process enrollment of the employee in the payroll service; 
   transmitting a confirmation of enrollment of the employee in the payroll service to the user device; and
 move the expected employee enrollee data associated with the employee into an employee database. 
   
     
     
         20 . The system of  claim 19 , wherein the expected employee enrollee data comprises a first portion of encrypted expected employee enrollee data and a second portion of unencrypted expected employee enrollee data, and wherein the second portion of unencrypted expected employee enrollee data is loaded into the data cache memory.