System and method for processing real-time online donations

Abstract

A method implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media. The method can include receiving, in real-time and through a computer network, a donation authorization from a donor via a donor user interface executed on a donor device. The donation authorization can include a donor token for the donor and a donee first token for a donee. The method further can include after receiving the donation authorization, facilitating, through the computer network, a sender financial institution to settle a donation amount with a receiver financial institution. A settlement time of when the sender financial institution settles the donation amount with the receiver financial institution can be independent from a posting time of when the receiver financial institution posts the donation amount to a donee account for the donee. Other embodiments are disclosed.

What is claimed is: 
     
         1 . A system comprising:
 one or more processors; and   one or more non-transitory computer-readable media storing computing instructions that, when run on the one or more processors, cause the one or more processors to perform:
 receiving, in real-time and through a computer network, a donation authorization from a donor via a donor user interface executed on a donor device, wherein:
 the donation authorization comprises a donor token for the donor and a donee first token for a donee; and 
 
 after receiving the donation authorization, facilitating, through the computer network, a sender financial institution to settle a donation amount with a receiver financial institution, wherein:
 a settlement time of when the sender financial institution settles the donation amount with the receiver financial institution is independent from a posting time of when the receiver financial institution posts the donation amount to a donee account for the donee. 
 
   
     
     
         2 . The system in  claim 1 , wherein:
 the donation authorization further comprises donee information;   the donee first token is associated with a first indication or a second indication; and   when the donee first token is associated with the first indication, the donee information is uniquely associated with the donee first token.   
     
     
         3 . The system in  claim 2 , wherein:
 the donor user interface is configured to be executed on the donor device and perform:
 receiving a donee first token input associated with the donee first token; 
 after receiving the donee first token input, when the donee first token is associated with the second indication, prompting the donor to provide a donee second token input associated with a donee second token for the donee; and 
 receiving a donation amount input associated with the donation amount; and 
   the donation authorization further comprises the donee first token input, the donee second token input, and the donation amount input.   
     
     
         4 . The system in  claim 1 , wherein:
 the donation authorization further comprises donee information; and   the donee information comprises donation campaign information for the donee and is configured to identify at least one of:
 a fundraiser; or 
 a fundraising campaign. 
   
     
     
         5 . The system in  claim 1 , wherein:
 the donation authorization further comprises donee information; and   the donee information comprises a tax exempt status.   
     
     
         6 . The system in  claim 5 , wherein the computing instructions, when run on the one or more processors, further cause the one or more processors to perform at least one of:
 (a) before receiving the donation authorization, receiving, in real-time and through the computer network, donee registration information from the donee via a donee user interface executed on a donee device of the donee, wherein:
 the donee registration information comprises at least a portion of the donee information including the tax exempt status; and 
    after receiving the donee registration information or the donation authorization, facilitating, in real-time and through the computer network, a charity vetting server to authenticate the tax exempt status from a tax authority; or   (b) after receiving the donation authorization, providing, in real-time and through the computer network, a notice associated with the tax exempt status to be displayed on the donor user interface executed on the donor device; and    after providing the notice associated with the tax exempt status, receiving, in real-time and through the computer network via the donor user interface, a confirmation from the donor to pay the donation amount as a tax exempt donation.   
     
     
         7 . The system in  claim 1 , wherein the computing instructions, when run on the one or more processors, further cause the one or more processors to perform:
 after receiving the donation authorization, facilitating, in real-time and through the computer network, the receiver financial institution to post in real-time the donation amount to the donee account.   
     
     
         8 . The system in  claim 7 , wherein the computing instructions, when run on the one or more processors, further cause the one or more processors to perform:
 after facilitating the receiver financial institution to post in real-time the donation amount to the donee account, providing, in real-time and through the computer network, a donation confirmation to be displayed on at least one of:
 a donee user interface executed on a donee device; or 
 a fundraiser user interface executed on a fundraiser device. 
   
     
     
         9 . The system in  claim 7 , wherein the computing instructions, when run on the one or more processors, further cause the one or more processors to perform:
 after facilitating the receiver financial institution to post in real-time the donation amount to the donee account, providing, in real-time and through the computer network, a receipt of the donation amount to be displayed on the donor user interface executed on the donor device.   
     
     
         10 . The system in  claim 9 , wherein:
 the donation authorization further comprises donee information; and   the receipt comprises information associated with at least one of:
 a donation tax exempt status determined based on the donee information; 
 a donee-specific history of donations made by the donor to the donee; 
 a fundraiser-specific history of donations made by the donor to a fundraiser of the donee; or 
 a campaign-specific history of donations made by the donor to a fundraising campaign of the donee. 
   
     
     
         11 . A method being implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media, the method comprising:
 receiving, in real-time and through a computer network, a donation authorization from a donor via a donor user interface executed on a donor device, wherein:
 the donation authorization comprises a donor token for the donor and a donee first token for a donee; and 
   after receiving the donation authorization, facilitating, through the computer network, a sender financial institution to settle a donation amount with a receiver financial institution, wherein:
 a settlement time of when the sender financial institution settles the donation amount with the receiver financial institution is independent from a posting time of when the receiver financial institution posts the donation amount to a donee account for the donee. 
   
     
     
         12 . The method in  claim 11 , wherein:
 the donation authorization further comprises donee information;   the donee first token is associated with a first indication or a second indication; and   when the donee first token is associated with the first indication, the donee information is uniquely associated with the donee first token.   
     
     
         13 . The method in  claim 12 , wherein:
 the donor user interface is configured to be executed on the donor device and perform:
 receiving a donee first token input associated with the donee first token; 
 after receiving the donee first token input, when the donee first token is associated with the second indication, prompting the donor to provide a donee second token input associated with a donee second token for the donee; and 
 receiving a donation amount input associated with the donation amount; and 
   the donation authorization further comprises the donee first token input, the donee second token input, and the donation amount input.   
     
     
         14 . The method in  claim 11 , wherein:
 the donation authorization further comprises donee information; and   the donee information comprises donation campaign information for the donee and is configured to identify at least one of:
 a fundraiser; or 
 a fundraising campaign. 
   
     
     
         15 . The method in  claim 11 , wherein:
 the donation authorization further comprises donee information; and   the donee information comprises a tax exempt status.   
     
     
         16 . The method in  claim 15  further comprising at least one of:
 (a) before receiving the donation authorization, receiving, in real-time and through the computer network, donee registration information from the donee via a donee user interface executed on a donee device of the donee, wherein:
 the donee registration information comprises at least a portion of the donee information including the tax exempt status; and 
 
  after receiving the donee registration information or the donation authorization, facilitating, in real-time and through the computer network, a charity vetting server to authenticate the tax exempt status from a tax authority; or 
 (b) after receiving the donation authorization, providing, in real-time and through the computer network, a notice associated with the tax exempt status to be displayed on the donor user interface executed on the donor device; and 
  after providing the notice associated with the tax exempt status, receiving, in real-time and through the computer network via the donor user interface, a confirmation from the donor to pay the donation amount as a tax exempt donation. 
 
     
     
         17 . The method in  claim 11  further comprising:
 after receiving the donation authorization, facilitating, in real-time and through the computer network, the receiver financial institution to post in real-time the donation amount to the donee account. 
 
     
     
         18 . The method in  claim 17  further comprising:
 after facilitating the receiver financial institution to post in real-time the donation amount to the donee account, providing, in real-time and through the computer network, a donation confirmation to be displayed on at least one of:
 a donee user interface executed on a donee device; or 
 a fundraiser user interface executed on a fundraiser device. 
 
 
     
     
         19 . The method in  claim 17  further comprising:
 after facilitating the receiver financial institution to post in real-time the donation amount to the donee account, providing, in real-time and through the computer network, a receipt of the donation amount to be displayed on the donor user interface executed on the donor device. 
 
     
     
         20 . The method in  claim 19 , wherein:
 the donation authorization further comprises donee information; and   the receipt comprises information associated with at least one of:
 a donation tax exempt status determined based on the donee information; 
 a donee-specific history of donations made by the donor to the donee; 
 a fundraiser-specific history of donations made by the donor to a fundraiser of the donee; or 
 a campaign-specific history of donations made by the donor to a fundraising campaign of the donee.