Patent ID: 8768813

Claim:
A method of electronically reallocating a portion of a transaction amount in a transaction between a user and a vendor, comprising the steps of: performing a transaction between said user and said vendor for exchange of at least one item to be provided to the user and a transaction amount required for said at least one item to be provided to the vendor, said performing comprising: identifying at least one user account associated with the user; identifying at least one vendor account associated with the vendor; and electronically distributing at least a portion of said transaction amount from said at least one user account to said at least one vendor account; determining whether the vendor and a separate trust institution have a pre-defined arrangement to allocate a portion of said transaction to at least one user trust account associated with at least one beneficiary and managed by the trust institution; and in response to determining that the vendor and the trust institution have said pre-defined arrangement, identifying at least one user trust account associated with the user and electronically distributing at least a portion of said transaction amount from said at least one vendor account to said at least one user trust account according to said pre-define arrangement, wherein said portion of said transaction amount in said user trust account is placed in an investment vehicle by the trust institution.