Abstract: Systems and methods for efficiently managing administration and storage of physical cash by merchants and minimizing loss of physical change by customers resulting from point of sale purchases at merchants by returning change in the form of digital cash electronically deposited to an account. Customers associate financial accounts with the system, such as bank, brokerage and cryptocurrency accounts. Customers select whether to receive all or some of the change digitally. The system includes a physical-to-digital payment processing program configured to deposit electronic cash into customers' accounts, the merchant using the physical-to-digital payment processing program to make the electronic deposit of digital change of the amount of change owed to the customer. In embodiments, the physical-to-digital payment processing program interfaces between a payment processing system of the merchant and a mobile device of the customer.

Abstract: Systems and methods for efficiently managing administration and storage of physical cash by merchants and minimizing loss of physical change by customers resulting from point of sale purchases at merchants by returning change in the form of digital cash electronically deposited to an account. Customers associate financial accounts with the system, such as bank, brokerage and cryptocurrency accounts. Customers select whether to receive all or some of the change digitally. The system includes a physical-to-digital payment processing program configured to deposit electronic cash into customers' accounts, the merchant using the physical-to-digital payment processing program to make the electronic deposit of digital change of the amount of change owed to the customer. In embodiments, the physical-to-digital payment processing program interfaces between a payment processing system of the merchant and a mobile device of the customer.