Patent ID: 8458037
Filing Date: 2013-06-04
Classification: G06Q,G07F

Abstract:
1. A method comprising: dividing, by a processor, a plurality of coin types of coins with which a user is permitted to pay for a transaction into a first group and a second group, the coin types of the second group being of lower value than the coin types of the first group; calculating, by the processor, a difference in which a total amount of the transaction is a minuend; where the difference is positive and can only be exactly paid for by the user using just the coins of the coin types of the second group and not using any of the coins of the coin types of the first group, and where a community escrow electronically maintained by a computing device has a current balance greater than the difference, wherein the community escrow is an electronically maintained tally of money functioning as a virtual penny tray.