{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-12008642","patent":{"patent_number":"US-12008642","title":"Electronic payroll funds transfer delay and failed transfer coverage","assignee":null,"inventors":[],"filing_date":"2022-06-21T00:00:00.000Z","publication_date":"2024-06-11T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q"],"num_claims":20,"abstract":"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."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Electronic payroll funds transfer delay and failed transfer coverage","description":"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","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-12008642","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-12008642","citation_suggestion":"Patentable. \"Electronic payroll funds transfer delay and failed transfer coverage\" (US-12008642). https://patentable.app/patents/US-12008642","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-12008642","json":"https://patentable.app/api/llm-context/US-12008642","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T01:32:33.850Z"}