A new quantum-mechanical scheme is proposed for estimations of dispersion interactions and transfer matrix elements of electronic excitations. The key step in the implementation of the scheme is the use of singular value decomposition for matrices of the two-electron operator responsible for interactions between two molecules. Thus obtained decomposition contains only few leading terms having asymptotics of conventional multipole terms. It turns out that the first of these terms (quasi-monopole term), usually ignored by conventional approaches, may give a marked contribution to the transfer amplitudes. Within this technique some calculations on pi -systems of aromatic molecules and fullerenes are performed.