Patent ID: 8655777

Claim:
A method comprising: deriving via a processor for a business account holder (A/H): an account cost to pay an accounts payable payment (A/P) using an account of a corporate card for a transaction; and a non-account cost to pay the A/P not using the account; identifying each merchant to whom the A/H owes a corresponding said A/P but does not accept the corresponding said A/P upon the account; deriving a weighting factor for each said identified merchant using: the account cost; the non-account cost; and one or more past payments made by the A/H to the identified merchant; deriving for each said identified merchant, using the corresponding weighting factor, a benefit to the A/H in paying the corresponding said A/P to the identified merchant on the account; identifying a set of preferred said identified merchants via determining whether for each said identified merchant, the benefit exceeds a predetermined threshold; receiving a selection of one or more said merchants from among the set of preferred said identified merchants; and transmitting to each said selected merchant information about the corresponding said A/P owed by the A/H, wherein said information is sufficient to receive payment on the account for the corresponding said A/P.