USPTO Patent Application for Loyalty Card Program

ChangeBridge: Patent Apps - Business Methods (G06Q)

Published December 5th, 2025

Detected March 26th, 2026

Summary

The USPTO has published a patent application (US20260087515A1) detailing a method and system for a loyalty card program. The application, filed on December 5, 2025, describes a system for employees to access and utilize accrued, unpaid earnings.

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What changed

This document is a publication of a patent application filed with the USPTO, specifically application US20260087515A1, concerning a method and system for a loyalty card program. The application, filed on December 5, 2025, outlines a process where employees can electronically request and access records of their accrued and unpaid earnings for a predetermined period, with the system determining and transmitting the available amount for display after authenticating the employee's identity.

As this is a patent application, it does not impose direct regulatory obligations or compliance deadlines on businesses. However, companies operating loyalty programs or systems for managing employee earnings may find the described methodology relevant for future innovation or as a benchmark for existing systems. Compliance officers should note this as a disclosure of potential future technological developments in employee compensation and loyalty programs.

Source document (simplified)

← USPTO Patent Applications

METHOD AND SYSTEM OF ACCRETIVE VALUE STORE LOYALTY CARD PROGRAM

Application US20260087515A1 Kind: A1 Mar 26, 2026

Inventors

Mohamed Safir SALIHU, Wayne Thomas McHUGH, Arthur Martin HOLBROOK, Purnendu MISHRA, Lee COLEMAN

Abstract

A method of enabling an employee to utilize earned and unpaid earnings includes receiving, with a with a central office processor, a record of an employee's accrued and unpaid earnings for a predetermined time period and storing the record in a database. The method includes receiving, with the central office processor, an electronic request from an employee to access the employee's record of accrued and unpaid earnings for the predetermined time period. Upon receipt of the request, the central office processor accesses the database including the record of the employee's accrued and unpaid earnings for the predetermined time period and determines an amount of the employee's accrued and unpaid earnings for the predetermined time period available to the employee and transmits the amount for display to the employee. The central office processor may also authenticate the employee's identity upon receiving the request to access the employee's accrued and unpaid earnings.