Method and system to create and distribute excess funds from consumer spending transactions

Claim 3

A method as in claim 1, wherein the step of transmitting the data of the additional amount includes the step of the payee crediting the additional amount to the one or more of the payor surplus accounts in the separate station of the network, wherein the separate station is in the hands of a central clearing entity, so that the payee remains neutral to the additional amounts.

Claim 4

A method as in claim 2, further comprising the step of printing out the status of said surplus accounts.

Claim 5

A method as in claim 2, wherein said one or more of said other payor surplus account includes sub accounts identifying a plurality of charities, banks, and other sub accounts and the step of transmitting data of the additional amount includes assigning predetermined portions of the one or more of said payor surplus accounts to said sub accounts.

Claim 6

A method as in claim 1, wherein said step of entering an additional amount includes calculating the additional amount from predetermined data associated with the one or more of the payor surplus accounts.

Claim 7

A method as in claim 5, further comprising the step of printing out the status of said surplus account.

Claim 8

A method as in claim 5, wherein said one or more of the payor surplus accounts includes sub accounts identifying a plurality of charities, banks, and other sub accounts and the step of transmitting the additional amount includes assigning predetermined portions of the one or more of said surplus accounts to said sub accounts.

Claim 11

A system as in claim 8, wherein the depositing station includes payee crediting means for the payee crediting the additional amount to the one of the payor surplus account in the hands of a central clearing entity, so that the payee remains neutral to the additional amounts.

Claim 12

A system as in claim 9, further comprising a status printer responsive to the status of said surplus account.

Claim 13

A system as in claim 9, wherein said surplus account includes sub accounts identifying a plurality of charities, bank, and other financial institutions and the depositing station assigns predetermined portions of said surplus account to said sub accounts.

Claim 14

A system as in claim 8, wherein said entry device includes calculating means for calculating the additional amount from predetermined data associated with the surplus account.

Claim 15

A system as in claim 12, further comprising a status printer responsive to the status of said surplus account.

Claim 16

A system as in claim 12, wherein said surplus account includes sub accounts identifying a plurality of charities, banks, and other financial institutions and said the depositing station assigns predetermined portions of said surplus account to said sub accounts.

Claim 19

A system as in claim 15, wherein said entry means includes change making means for returning any remains from the excess payment as cash.

Claim 20

A system as in claim 16, wherein said entry means includes a display for displaying the excess payment.

Claim 21

A system as in claim 16, wherein said excess payment is apportioned to an account.

Claim 22

A system as in claim 16, further comprising printout means prints out the status of each of the accounts.

Claim 23

A system as in claim 16, wherein said network includes means for entering changes in the calculating formulas.

Claim 24

A system as in claim 16, wherein said network includes means for entering changes in the apportionment.

Claim 25

A system as in claim 15, wherein said entry means prints out the status of each of the accounts.

Claim 26

A system as in claim 15, wherein said entry means is responsive to entries for entering changes in the allocations.

Claim 27

A system as in claim 15, wherein said computing is responsive to the apportioning for allocating a portion of the excess to charity donee accounts with each apportionment.

Claim 28

A system as in claim 24, wherein said computing means is responsive to the apportioning for transferring the portion of the excess for the charity donee account directly to the charity donee with each apportionment.

Claim 29

A system as in claim 15, wherein said computing means includes; data for storing the names of qualified charities; data with the names of banks; data storing numbers of client accounts; said entry means serving for entering the names of charities and; said computer means being responsive to said entry means for comparing the entered names with the stored and numbers names to determine if the entered name matches a stored name; said computer means being responsive to said entry means for assigning a charity, bank, financial institution, purchasing account to an account when a client has selected the charity or the bank; said entry means being responsive to entries for recording money entries into said accounts and storing the entries in said computer means; and allocating said computer means being responsive to the excess by said entry means for registering an allocation of parts of any monies recorded into any accounts among the charities and banks.

Claim 30

A system as in claim 15, wherein said calculating means serves for applying predetermined calculations to the face amount of account entries for the purpose of creating an excess payment.

Claim 31

A point of sale operating method, comprising: entering an amount corresponding to a price of a product into a cash register; entering an amount corresponding to cash being paid; determining any excess payment; entering a card number; transmitting data of the excess payment to a separate station and in said separate station apportioning at least a part of the amounts of excess cash payment to one or more predetermined accounts selected on the basis of the card number and controlled by other than the payee; crediting the excess paid to the selected accounts to the card number.

Claim 32

A point of sale operating method, comprising: entering an amount corresponding to a price of a product into a cash register; entering an amount corresponding to cash being paid; determining any excess payment; entering a card number; transmitting data of the excess payment to a separate station and in said separate station apportioning at least a part of the amounts of excess cash payment to one or more predetermined accounts selected on the basis of the card number and controlled by other than the payee; crediting the excess paid to the selected accounts to the card number.

Claim 33

A method as in claim 28, wherein said apportioning step includes making change for returning any remains from the excess payment, after apportionment, as cash.

Claim 34

A method as in claim 28, wherein said printout step includes printing out the status of each of the accounts.

Claim 35

A method as in claim 28, wherein said step of apportioning includes entering changes in the apportionment.

Claim 36

A method as in claim 28, wherein said step of apportioning includes allocating a portion of the excess to accounts with each apportionment.

Claim 37

A method as in claim 28, wherein said apportionment step includes: storing of a plurality of qualified charities; storing names of a number of banks; storing number of other accounts; entering the names of one of charities, banks, and other accounts so as to define an entered name for each entry of a name, comparing each entered with a stored name to determine if the entered name matches the stored name; assigning one of said accounts to an account when a charity, bank, or other account has been entered; recording money entries into set accounts; registering an allocation of parts of monies recorded into accounts among charities, banks, or other accounts entered for that account.

Claim 38

A method as in claim 28, wherein said step of apportioning includes allocating the excess to accounts with each apportionment.