Predictive and customizable round up platform

A method, comprising:

• accessing, by a computing device, a specification of an instrument, a round-up value, a category, and a destination account from at least one user interface of a client application associated with a user profile;
• generating, by the computing device, adjustment criteria based at least in part on the category, the round-up value, and the instrument;
• adding, by the computing device and from a user database, the user profile to a set of enrolled user profiles of an enrolled user database;
• generating, by the computing device, an event listener, the event listener comprising a virtual computing process configured to monitor a plurality of events;
• subscribing, by the computing device, to the event listener to receive notifications in association with the user profile;
• receiving, by the computing device and in response to the event listener identifying the plurality of events being approved by a remote service, a notification from the event listener;
• accessing, by the computing device and from the enrolled user database, the adjustment criteria associated with the user profile;
• in response to the plurality of events being approved by the remote service, filtering, by the computing device, the plurality of events to identify a subset of the plurality of events that comply with the adjustment criteria that are associated with the instrument;
• adjusting, by the computing device, individual ones of the events in the subset by performing a round-up operation on the individual ones of the events, the round-up operation comprising adjusting a transaction amount of the individual ones of the events based at least in part on the round-up value;
• and
• depositing, by the computing device, an adjustment amount into the destination account, the adjustment amount being a difference between the transaction amount and the round-up value.

A non-transitory, computer-readable medium comprising machine-readable instructions that, when executed by a processor of a computing device, cause the computing device to perform operations comprising:

• access a specification of an instrument, a first round-up value, a first transaction type category, a second round-up value, a second transaction type category, and a destination account from at least one user interface of a client application associated with a user profile;
• generate a first adjustment criteria based at least in part on the first round-up value and the first transaction type category;
• generate a second adjustment criteria based at least in part on the second round-up value and the second transaction type category;
• add, from a user database, the user profile to a set of enrolled user profiles of an enrolled user database;
• generate an event listener, the event listener comprising a virtual computing process configured to monitor ones of a plurality of transactions made in association to the instrument;
• subscribe to the event listener to receive notifications when a remote service approves ones of a plurality of transactions made in association to the instrument;
• receive a notification from the event listener, the notification being sent by the event listener in response to identifying the plurality of transactions being approved by a remote service and in response to associated with the user profile and in response to a remote service approving the transaction;
• access, from the enrolled user database and in association with the user profile, the first adjustment criteria and the second adjustment criteria;
• in response to a plurality of transactions being approved by a transaction service, filter the plurality of transactions to identify a first subset of the plurality of transactions that are associated with the first transaction type category;
• in response to a plurality of transactions being approved by a transaction service, filter the plurality of transactions to identify a second subset of the plurality of transactions that are associated with the second transaction type category;
• adjust individual ones of the plurality of transactions in the first subset by to the first round-up value and deposit a first adjustment amount into the destination account, the first adjustment amount being a difference between a transaction amount of the transactions in the first subset and the first round-up value;
• and
• adjust individual ones of the plurality of transactions in the second subset by to the second round-up value and deposit a second adjustment amount into the destination account, the second adjustment amount being a difference between a transaction amount of the transactions in the second subset and the second round-up value.