Abstract: A purchasing system allows consumers to do their customary shopping and paying at the point of sale and simultaneously earn rebates for their favorite nonprofits. To qualify their purchases for a rebate, the shopper or nonprofit supporter provides the clerk with a transaction card that is scanned or swiped into the POS terminal (cash register). The central computer system keeps track of the amount of the purchase and the ID number. The system computes the amount of rebate and sends reports to all parties.

Abstract: At non-bank and financial institution locations, account holders use remote inputs to send deposits and payments in cash and/or checks to their accounts in financial institutions. In one embodiment the remote input used at merchant point of sale locations truncates paper checks and cash at the remote terminal level.

Abstract: An improved system for consumer payors to save and donate whenever they use cash at a point of sale terminal, write a check, use an ATM machine, or use a credit or debit card. The POS system is a network composed of subscriber/payors, neutral merchant/collectors, a central clearinghouse, and provider accounts. The Rounder system is a network composed of subscriber/payors, payees, account managers, and provider services. The systems together provide subscriber/payors with a seamless way to save/donate every time they spend.

Abstract: An automated way for sales establishments to extend point of sale (POS) cash transactions to allow consumers to save change or transfer discretionary funds into saving or donating accounts managed by a central clearinghouse. The system includes a network composed of consumer/payors with identification cards, neutral merchants who enter data and funds into remote POS terminals, central clearinghouse that offers/process accounts, and service providers for participating consumer/account holders, i.e. nonprofit giving, travel, mutual funds, savings, etc. The network provides consumers with a seamless, convenient, and painless way to save/donate every time they spend at multiple POS counter locations.

Abstract: An automatic donation system for a sales establishment includes an entry arrangement for entering the price of a product into a cash register and for entering the amount of cash being paid and a calculator for determining the excess cash payment. A card reader keypad receives a card number for accessing data including charity accounts concerning the card, and a computer apportions at least a part of the excess cash payment among said accounts, and then prints out the amounts entered.

Abstract: A retrofit for diverting water leaking into an elevated expansion joint is formed by lowering an applicator that carries an adhesively treated water run-off arrangement into the joint and pressing the arrangement against inside walls of the joint with an expanding bladder under fluid pressure. When the adhesive cures, reducing the pressure collapses the bladder and allows withdrawal of the applicator.

Abstract: A retrofit for diverting water leaking into an elevated expansion joint is formed by lowering an applicator that carries an adhesively treated water run-off arrangement into the joint and pressing the arrangement against inside walls of the joint with an expanding bladder under fluid pressure. When the adhesive cures, reducing the pressure collapses the bladder and allows withdrawal of the applicator.