US Patent 9836786 Intelligent division of funds across merchant accounts

Merchants may desire to save for a variety of reasons, such as to purchase a new piece of equipment for use at the merchant, to pay vendors for services provided to the merchant, to set up a “rainy-day fund”, or the like. As such, described herein are techniques and arrangements for helping a merchant reach its savings goals by automatically saving, for the merchant, a portion of each transaction made by the merchant at a point-of-sale (POS) device of the merchant.