Method and system to create and distribute excess funds from consumer spending transactions

A system for accumulating credits from a customer account belonging to the customer and managed by an institution and placing the credits into a provider account, comprising:

• an information processor;
• said information processor including a data store with data identifying the customer, the rounding determinant, the managed institution, and the account;
• said data store including machine readable instructions authorizing the processor to access and read the customer account;
• said data store including machine readable instructions to calculate rounders after receiving a plurality of payment transactions from the read customer account and to calculate an excess based on the rounders;
• said data store including machine readable instructions to withdraw the excess from the customer account;
• said data store including machine readable instructions to transfer the withdrawn excess to the provider account.