Patent ID: 8676687

Claim:
A computer-implemented method comprises: receiving, by one or more computer systems that comprise a computer processor and memory, information indicative of transactions that debit and credit financial resources from a first set of one or more financial accounts of a user; periodically receiving by the one or more computer systems information indicative of a recommended amount of financial resources and a savings goal; periodically determining by the one or more computer systems based on the information received about the transactions that an aggregate balance of the first set of one or more financial accounts exceeds the received information indicative of the recommended amount of financial resources to transfer to a second set of one or more financial accounts of the user to meet the received information indicative of the savings goal; causing a transfer, by the one or more computer systems, of the recommended amount of financial resources to the second set of one or more financial accounts; and generating, by the one or more computers, a suggested transaction that has a suggested amount that is based on an amount of financial resources in excess of the periodically determined aggregate balance minus the received information indicative of the recommended amount.