Abstract: There is provided a method of centralized processing of a benefit for an employee. The method includes receiving a notification of a deposit made to an account in a financial institution, and thereafter facilitating a payment from the account to a provider of the benefit. The method is performed independently of an employer, even after the employee is no longer employed by the employer, and even if the employee changes jobs and works for a different employer. There is also provided a system that performs the method, and a storage device that includes instructions that control a processor to perform the method. Centralized processing relieves systems of the employer(s) of such responsibility, thus reducing duplication of effort, and providing for more efficient utilization of processing resources.

Abstract: Systems and methods for producing checks and paystub information from an automated teller machine (“ATM”) are described. The ATM transmits either a check request or a paystub information request to a payment card network, which transmits the received request to a card issuer. In the case of a check request, the card issuer verifies sufficient funds within a cardholder account. In the case of a paystub information request, the card issuer transmits the request to an employer payroll computer, which transmits the requested paystub information back to the card issuer. The card issuer transmits the draft authorization or the paystub information to the payment card network. The ATM ultimately receives the draft authorization and thereby produces a check or money order, or receives the paystub information and thereby provides the cardholder with the information.

Abstract: Systems and methods of providing a flat fee automated teller machine (“ATM”) program are described. An operator of a transacted ATM may receive an inquiry from the ATM regarding whether a transacted ATM card is enrolled in the flat fee ATM program. The ATM operator may have access a database to determine if the transacted ATM card is enrolled in the flat fee ATM program, or the ATM operator may transmit the inquiry to the transacted ATM card's issuer, through a payment card network. The ATM operator may instruct the transacted ATM whether to charge a transaction fee depending on information accessed in the database by the ATM operator or on a response generated by the ATM card issuer.

Abstract: Systems and methods for determining whether to extend a grace period to a consumer instead of cancelling their services are described. The system/method accesses payroll card and/or other information pertaining to the consumer's financial and/or employment status and history. Using the information, a score may be determined and used to assess whether to grant the consumer an extension to a grace period and/or to continue access to a utility/service.