Patent ID: 7080775

Claim:
A method for determining a monetary contribution to a recipient from an instrument associated with a donor, comprising: (a) receiving an instrument associated with a donor, (b) determining a currency amount of the instrument, (c) determining a monetary contribution associated with the donor, comprising: (i) determining whether the instrument is a billing instrument or financial instrument; (ii) if the instrument is a financial credit instrument, rounding the currency amount of the financial credit instrument downward to a lower currency amount; and determining the difference between the currency amount of the financial credit instrument and the lower currency amount, wherein the difference is the monetary contribution associated with the donor; and (iii) if the instrument is a billing instrument, rounding the currency amount of the billing instrument upward to a higher currency amount; and determining the difference between the higher currency amount and the currency amount of the billing instrument, wherein the difference is the monetary contribution associated with the donor; and (d) collecting the monetary contribution into a target account associated with a third-party recipient.