Patent ID: 8417639

Claim:
A computer implemented method of automatically reordering checks for a plurality of accounts utilizing checks, the method comprising: determining for each of the plurality of accounts, with a computer system, a number of checks written on the account from a most recent check order on the account, wherein the number of checks written on the account comprises a number of checks cleared on the account and a number of stop payment orders made on the account, wherein the computer system comprises at least one processor and operatively associated memory; determining for each of the plurality of accounts, with the computer system, a check usage rate for the account, wherein the check usage rate for the account is proportional to a number of checks written on the account per unit time; determining for each of the plurality of accounts, with the computer system, a time-to-exhaustion for the account considering the number of checks written on the account and the check usage rate for the account; and initiating for each of the plurality of accounts, when the time-to-exhaustion for the account drops below a threshold, with the computer system, an order of new checks directed to a customer associated with the account.