US 12,086,883 B2
Point of sale computer-implemented investment management technology
Jeffrey Cruttenden, Newport Beach, CA (US); Walter Cruttenden, Corona del Mar, CA (US); and Jason Martell, Irvine, CA (US)
Assigned to Acorns Grow Incorporated, Irvine, CA (US)
Filed by Acorns Grow Incorporated, Irvine, CA (US)
Filed on Apr. 25, 2022, as Appl. No. 17/728,800.
Application 17/728,800 is a continuation of application No. 16/677,560, filed on Nov. 7, 2019, granted, now 11,348,179.
Application 16/677,560 is a continuation of application No. 15/676,423, filed on Aug. 14, 2017, granted, now 10,521,862, issued on Dec. 31, 2019.
Application 15/676,423 is a continuation of application No. 14/329,509, filed on Jul. 11, 2014, granted, now 9,734,536, issued on Aug. 15, 2017.
Application 14/329,509 is a continuation of application No. 13/366,499, filed on Feb. 6, 2012, granted, now 8,781,906, issued on Jul. 15, 2014.
Prior Publication US 2023/0048957 A1, Feb. 16, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/06 (2012.01); G06Q 20/20 (2012.01)
CPC G06Q 40/06 (2013.01) [G06Q 20/20 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
intercepting, by a computer system, a consumer transaction initiated through an electronic payment gateway, the consumer transaction having a first numerical amount to be transferred from an account of a consumer to a payment recipient;
determining, by the computer system, a second transaction amount that is different than the first numerical amount;
determining, by the computer system, a third transaction amount, wherein the third transaction amount is the difference between the first and second transaction amount;
determining an investment amount by aggregating the third transaction amount with at least a fourth transaction amount, wherein the fourth transaction amount is determined based on a second consumer transaction initiated by the consumer; and
electronically communicating, to at least one computing device, the investment amount as an amount of funds to be deposited in an investment account of the consumer as a result of transactions initiated by the consumer that include at least the consumer transaction and the second consumer transaction.