Systems and methods for display notifications for routing of electronic transaction processing results

A system to reduce computing load on a point-of-sale device, the system comprising:

• the point of sale device configured to conduct a financial transaction;
• a computer server, configured to communicate with the point of sale device;
• and
• a wireless device, configured to communicate with the computer server;
• wherein the computer server comprises a first computer memory storing computer-executable instructions that, when executed by a first processor of the computer server, causes the computer server to perform steps comprising:
• authorizing, by a computer server in signal communication with the point-of-sale device, a first financial transaction initiated at the point-of-sale device;
• posting, by the computer server, the first financial transaction to a source account;
• calculating, by the computer server, a first savings amount by rounding a transaction amount of the first financial transaction to a nearest whole monetary amount, wherein the first savings amount is a difference between the transaction amount and the nearest whole monetary amount;
• determining, by the computer server, an aggregate savings amount by adding together the first savings amount and a second savings amount calculated for a second financial transaction posted to the source account;
• determining, by the computer server, that the aggregate savings amount is available in the source account before debiting the aggregate savings amount from the source account;
• determining, by the computer server, that the aggregate savings amount has reached a pre-determined threshold;
• sending, by the computer server, a notification to the wireless device, wherein the wireless device is associated with the source account, that the aggregate savings amount has reached the pre-determined threshold, wherein the notification includes a signal activating a motor in the wireless device to cause a vibration of the wireless device;
• receiving, by the computer server from the wireless device, a selective distribution message type, wherein the selective distribution message type comprises selection information, wherein the selection information identifies one or more recipient accounts selected through an interface of the wireless device;
• and
• separating then distributing, by the computer server, the selective distribution message type into a plurality of messages to a plurality of banking servers to cause the plurality of banking servers to debit at least a portion of the aggregate savings amount from the source account to the one or more recipient accounts, wherein the separating then distributing of the plurality of messages distributes a processing load among the plurality of banking servers, wherein the separating then distributing of the plurality of messages distributes a processing load among the plurality of banking servers.

A non-transitory computer-readable storage medium storing computer-executable instructions that, when executed by a computer processor, cause an apparatus to perform steps comprising:

• authorizing, by a computer server in signal communication with a point-of-sale device, a first financial transaction initiated at the point-of-sale device;
• posting, by the computer server, the first financial transaction to a source account;
• calculating, by the computer server, a first savings amount by rounding a transaction amount of the first financial transaction to a nearest whole monetary amount, wherein the first savings amount is a difference between the transaction amount and the nearest whole monetary amount;
• determining, by the computer server, an aggregate savings amount by adding together the first savings amount and a second savings amount calculated for a second financial transaction posted to the source account;
• determining, by the computer server, that the aggregate savings amount is available in the source account before debiting the aggregate savings amount from the source account;
• determining, by the computer server, that the aggregate savings amount has reached a pre-determined threshold;
• sending, by the computer server, a notification to a mobile device associated with the source account that the aggregate savings amount has reached the pre-determined threshold, wherein the notification comprises a signal activating a motor in the mobile device to cause vibration of the mobile device, and wherein computing load on the point-of-sale device is reduced by deferring calculation of the first savings amount to the computer server, and wherein computing load on the computer server is reduced by postponing a step of debiting at least a portion of the aggregate savings amount from the source account until the aggregate savings amount has reached the pre-determined threshold;
• receiving, by the computer server from the mobile device, a selective distribution message type, wherein the selective distribution message type comprises selection information, wherein the selection information identifies one or more recipient accounts selected through an interface of the mobile device;
• and
• separating then distributing, by the computer server, the selective distribution message type into a plurality of messages to a plurality of banking servers to cause the plurality of banking servers to debit at least a portion of the aggregate savings amount from the source account to the one or more recipient accounts, wherein the separating then distributing of the plurality of messages distributes a processing load among the plurality of banking servers.