(19)Fresh off Patent
(45) Week of Oct 19, 2026 No. 7 3,667 lapsed 70 listed
Fintech & commerce · lapsed Sep 4, 2026

Prepaid promotional wallet funded by payroll or scheduled allocation

System that shows a user their provider-specific purchase history and offers promotions that add bonus value if the user commits to regularly allocate funds (for example via payroll deduction or scheduled transfers) into a provider-specific prepayment account. The user selects promotions in a UI, funds are moved into a prepayment account (prepayment value plus promotional bonus), and a scannable code or routing info is generated to spend the balance at the provider. Merchants, payment platforms or payroll/prepayment service providers would use it to create recurring revenue and increased wallet share.

Sheet 1 of the patent drawingsSheet 2 of the patent drawings

(57) What the patent covered

This write-up was generated by AI from the patent's text and may contain mistakes, so check it against the original patent before relying on it.

The main independent claim covers obtaining a users transaction data, sending it to a prepayment benefit entity which returns a provider-organized purchase history and provider-specific promotional offers that give extra promotional value when the user commits to scheduled fund allocations (e.g., payroll deduction) into a prepayment account; the UI presents those offers and the system sets up the scheduled allocation and prepayment accounts. A related independent claim covers offering promotions, receiving the consumers selection and scheduled allocation commitment, transferring the prepayment (combined with promotional value) into a prepayment account, and creating a scannable code containing account and routing information for redemption.

Distinguishing feature: Combining provider-specific purchase history with promotional bonuses tied to scheduled allocations (payroll deduction or scheduled transfers) into provider-linked prepayment accounts, plus a generated scannable code for redemption.

Novelty 3/5. At filing time, prepaid accounts and loyalty promotions were common; the specific combination of using payroll/scheduled allocations as the funding commitment and presenting provider-specific promotions based on purchase history was a new approach to drive recurring prepaid balances.

Implementation

A small team would ingest transaction data via card APIs or user-uploaded statements, normalize purchases to provider IDs, run a simple promo rules engine that calculates promotional bonus amounts for scheduled funding plans, create user-specific prepayment ledgers, integrate ACH/payroll APIs or recurring debit via payment processor, and generate QR codes containing account ID and redemption URL. Use standard web/mobile front end, a PostgreSQL ledger, and Stripe/PayPal/ACH rails for transfers.

Components: Transaction data ingestion (bank/card feed or merchant reporting), prepayment benefit backend (accounts ledger, promo engine), user interface (mobile or web) with dynamic fields, scheduled transfer/payroll integration (ACH / employer API), scannable code generator (QR or barcode).

Buildability 5/5. Main effort is reliable transaction attribution to providers and integrations for recurring funding (payroll APIs or ACH); payments rails and QR generation are standard engineering tasks.

Market demand

Comparable products exist; none doing exactly this was found. Markets already offer payroll/earned-wage access tied to prepaid card ecosystems; no widely publicized promo-boosted prepaid-wallet with scheduled fund allocations as described, but related products exist (on-demand pay, prepaid payroll cards).

Demand check by web search, week of Oct 12, 2026. Listings change frequently.

Buyers: Retail brands, payment platforms, payroll providers, employee benefit administrators.

Before manufacturing

No related continuation or divisional patents in force were found. Design patents, trademarks and unrelated patents may still cover the product.

Practical risks include correct merchant attribution from transaction feeds, regulatory and payroll-integration requirements, tax/benefit treatment ambiguity, and competition from established gift-card and subscription payment products.

About 1.5% of lapsed patents are later revived by their owners. This page is a research lead, not legal advice. Obtain a freedom-to-operate opinion before manufacturing.

Claim 1, as granted

1. A method comprising: obtaining, by a computing device of a user, transaction data related to a plurality of transactions made by the user in which each transaction is with respect to one of a plurality of providers of goods or services; transmitting, by the computing device, the transaction data to a pre-payment benefit entity; initiating, by the computing device, a log-in process with respect to the pre-payment benefit entity; receiving, by the computing device from the pre-payment benefit entity in response to initiation of the log-in process, a purchase history with respect to the plurality of providers that is based on the transaction data; receiving, by the computing device from the pre-payment benefit entity in response to initiation of the log-in process, promotional information regarding a plurality of promotions that each correspond to one of the plurality of providers, each of the plurality of promotions indicating a corresponding promotional value to be added to a prepayment value in exchange for the user committing to allocate funds on a scheduled basis through a payroll deduction to prepay future purchases with a corresponding provider via a prepayment account associated with the user; populating dynamic information fields of a user interface of the computing device with the purchase history and the promotional information such that the user interface presents the purchase history and the plurality of promotions according to corresponding providers in a manner that allows the user to identify purchase patterns with respect to the plurality of providers and in a manner that allows the user to select one or more of the plurality of promotions; receiving, via the user interface, a selection, by the user from the plurality of promotions, of a promotion associated with a particular promotional value for a particular provider; electronically communicating, using a hardware processor, the selection of the promotion by the user to the pre-payment benefit entity; causing an amount corresponding to the prepayment value to be electronically transferred to the prepayment account associated with the user to pre-pay for future purchases with the particular provider, the prepayment value and the particular promotional value being combined in the prepayment account for future payments with the particular provider to increase a total value in the prepayment account; electronically receiving a scannable code associated with the prepayment account, the scannable code being generated and transmitted by the pre-payment benefit entity, the scannable code comprising account-related information associated with the prepayment account and routing information to a server associated with the prepayment account; causing a payment gateway of the particular provider to electronically route, using the routing information, the account-related information to the server associated with the prepayment account to redeem the promotion by presenting the scannable code to the payment gateway; providing, in response to redemption of the promotion by the user, subsequent transaction data related to purchases determined to be made by the user with respect to the particular provider subsequent to redemption of the promotion; and presenting, on the user interface, a subsequent promotion that is associated with the particular provider and that is based on a level of customer loyalty determined with respect to the particular provider based on the subsequent transaction data.