Abstract: A central computer includes data input means, data processing means and data storage means and is used by a credit card issuer for automatically funding an investment for the credit card holder. A rounded-up numerical figure selected by the cardholder is stored in the memory of the computer. The computer maintains a record of the purchase or advance amount each time the cardholder uses the creditcard. The data processing means determines, with reference to the rounded-up numerical figure, a rounded amount which is in excess of the purchase or advance amount. The data processing means also determines a savings amount (which is periodically transferred to the investment account) by subtracting the purchase or advance amount from the rounded amount.

Abstract: A system and methods for automatically investing, a portion of interest charged amount paid by the card issuer or the cardholder, on a credit card account, to an individual retirement account, taxpayer relief act of 1997 IRA, "Roth Act" or "Super IRA", college education IRA or spousal IRA (herein, collectively, "IRA"), college savings account, 401(K) plan (with or without linkage to a company expense account credit card), dividend reinvestment program (in stock of the card issuing company or otherwise) or other investment feature.