Patent ID: 8781906

Claim:
An investment fund management system comprising: a payment gateway server; a Point of Sales (POS) terminal in electronic communication with the payment gateway server; a consumer communication device configured to create an electronic payment gateway with the POS terminal during a consumer transaction; a portfolio server, the portfolio server is accessible to the consumer communication device over a data network; wherein the consumer communication device is operatively coupled to a computer program product, the computer program product having a computer-usable medium having a sequence of instructions which, when executed by a processor, causes said processor to execute a process that creates investment projections based on a transaction between the POS terminal and consumer communication device, said process comprising: intercepting a transaction through the electronic payment gateway, the transaction having a first numerical amount to be transferred; determining a second transaction amount in excess of the first numerical amount; determining a third transaction amount, wherein the third transaction amount is the difference between the first and second transaction amount; computing an expected return, wherein the return is based on the investment of the third transaction amount; and electronically publishing the expected return to the consumer communication device.