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

A computer-implemented system comprising one or more processors for managing electronic transactions between a first terminal, in electronic communication with a payment gateway server, and a consumer communication device, configured to create an electronic payment gateway with the first terminal, wherein the consumer communication device is operatively coupled to a computer program product, the computer program product having a computer-usable medium having a sequence of instructions which, when executed by a processor, causes said processor to:

• receive transaction data to process a first transaction from a plurality of transactions, the transaction data comprising at least one of a transaction descriptor or a transaction value associated with the first transaction;
• filter the transaction data by applying a filtering parameter to at least one of the transaction descriptor or the transaction value;
• prevent application of a round up process to the first transaction based on the filtering, in response to the determining that the first transaction is not conducive to the round up process, thereby preventing an error state in execution of logic code by at least one processor configured for applying the round up process to the first transaction;
• and
• apply the round up process to a second transaction, in response to determining that the transaction is conducive to the round up process, the round up process comprising determining a difference between a numerical value of the second transaction and another numerical amount that is a rounded up integer value of the numerical value.