System and method for integrating income deduction payment techniques with internet e-commerce and ancillary systems

摘要

A system and method are provided for performing electronic commerce (e-commerce) transactions using income deduction techniques. A User of the income deduction service system may purchase a product from a vendor using an income deduction option. The vendor may be an e-commerce vendor with an e-commerce server hosting a Web site useable to initiate e-commerce purchases. A Deduction Server may receive purchase information describing the purchase. The purchase information may be received from the User or from the e-commerce server. In one embodiment, the purchase information may be received through the Internet. The Deduction Server may communicate with a payroll system of an Employer of the User and may request the payroll system perform income deductions from the User's income in response to receiving the purchase information. The payroll system may provide income deduction funds to the Deduction Server to fulfill the purchase obligation. The Deduction Server may forward income deduction funds to the e-commerce system as payment for the product. A variety of services may be provided to Users of the income deduction service system. The services may include income deduction for a budgeting service, income deduction for debit card services, income deduction for credit services, income deduction for bill payment services, and a master control panel service.