Abstract: The present invention relates to a system and method for using a payroll deduction process as a payment process and efficient means by which employees of a business can purchase and manage their employee benefits. An employer authorizes the inventive system to accept payroll deduction as a payment option for the employer's employees and to allow them to purchase benefits offered through the employer. The employer and/or the system establish guidelines for utilizing the payroll deduction option during public commerce or via the company's internal benefits administration system and the system stores the guidelines and identifying information for the employer and corresponding employees in a database. Merchants also sign up to offer employee benefits through the employer with the inventive system may agree to accept the payroll deduction process is a payment process.

Abstract: The present invention relates to a system and method for using an e-duction card as a payment instrument, whereby a purchase price of articles purchased on-line or off-line is deducted from an employee's paycheck. The e-duction card is similar to a credit card but is not bound by the same terms and conditions of a credit card. An employer authorizes the inventive system to accept payroll deduction as a payment option for the employer's employees. The employer and/or the system establish guidelines for utilizing the payroll deduction option during commerce and the system stores the guidelines and identifying information for the employer and corresponding employees in a database. Merchants also sign up with the inventive system and agree to accept the e-duction card is a payment instrument. Thereafter, when an employee selects articles from the merchant's web site or store, the employee may use the e-duction card to pay for the selected articles.

Abstract: A method for selecting and processing payroll deduction as a payment option for articles purchased during electronic commerce. An employer authorizes selected vendors involved in electronic commerce to accept payroll deduction as a payment option for the employer's employees. The employer and vendor establish guidelines for utilizing the payroll deduction option during electronic commerce and the vendor stores the guidelines and identifying information for the employer and corresponding employees in a database in the vendor's computer. Thereafter, when an employee selects articles from the vendor's web site, the employee may select payroll deduction as the payment option. The vendor places the employee's selections and payment option in a file and forwards them to the employer. The employer may approve or reject the employee's selection and the vendor processes the order according to the employer's instructions. Then the vendor informs the employee about the status of the order.

Abstract: A method of dynamically resolving disputes between an employee using a payroll deduction plan to pay for purchases and an external system processing the payroll deduction plan, the method comprising the steps of (a) determining if the dispute relates to a product or service purchased from a merchant or to an error in the processed employee payroll deduction; (b) if the dispute relates to an error in the processed employee payroll deduction, determining if the error is related to a number of deduction periods or the employee's pay cycle frequency; (c) if the error relates to an error in the number of deduction periods, the external system corrects the number of deduction periods and determines if a next payroll deduction period is in progress of being processed; (d) if the external system determines that a deduction period is in progress, the external system allows the next deduction to occur and determines if the deduction amount is too high or too low; (e) if the deduction amount is too low, the employee pay