Systems and methods for creating excess funds from retail transactions and apportioning those funds into investments

A computing system comprising:

• an electronic data store that stores a plurality of vendor offers;
• and
• a processor configured with executable instructions that cause the processor to perform operations comprising:
• receiving, over a network from a user application operating on a user device, authorization to access an account server;
• monitoring a balance of an account of the user at the account server based on the received authorization;
• in association with the monitoring the balance, detecting a change to the balance via network communication with the account server;
• based on the detected change, obtaining transaction data associated with the change, wherein the transaction data is obtained based on at least one of:
• scraping a website of the account server, or
• communicating with the account server via an API,
• wherein the transaction data associated with the change comprises a transaction amount and identification of a vendor that received payment from the user;
• determining a vendor offer, from among the plurality of vendor offers stored in the electronic data store, that is applicable to the transaction data, wherein the vendor offer is determined based at least in part on the identification of the vendor in the transaction data;
• retrieving logic previously associated with the vendor offer, wherein each of the plurality of vendor offers is associated with different stored logic in the electronic data store;
• determining, by applying the retrieved logic previously associated with the vendor offer, an amount of vendor-supplied funds for transfer to an investment account associated with the user;
• and
• based at least in part on the retrieved logic previously associated with the vendor offer:
• transferring the determined amount of vendor-supplied funds to the investment account associated with the user;
• simultaneously or with a preprogrammed delay relative to the transferring of the determined amount of vendor-supplied funds, generating an electronic invoice indicating the determined amount of vendor-supplied funds;
• and
• transmitting the electronic invoice to a computing system associated with the vendor that received payment from the user.