Patent ID: 8416924

Claim:
A customer-directed rounded-amount investment method comprising: determining by at least one computer processor whether a debit-card transaction is a signature-based transaction, wherein the debit card is connected to a debit card account; in response to determining that the debit-card transaction is a signature-based transaction, determining by the at least one computer processor whether the debit-card transaction is an odd-amount transaction; in response to determining that the debit-card transaction is an odd-amount transaction and the debit-card transaction is a signature-based transaction, determining a rounding target based on a comparison between a purchase price associated with the debit-card transaction and a customer-chosen whole dollar amount; wherein determining a rounding target further comprises: in response to determining that the purchase price is less than the customer-chosen whole dollar amount, determining a rounding target of one dollar, and in response to determining that the purchase price is greater than or equal to the customer-chosen whole dollar amount, determining a rounding target of ten dollars; debiting a total debit amount from the debit card account wherein the total debit amount is the purchase price rounded up to the nearest rounding target; crediting by the at least one computer processor a rounded difference amount to a customer-directed account, wherein the rounded difference amount is based at least on the purchase price and the total debit amount.