Patent ID: 8666865

Claim:
A method performed by a computing device, the method comprising: receiving, by the computing device, payables process data of a client that pays a plurality of creditors, wherein the payable process data includes identification information and associated payment data for the plurality of creditors, and wherein the associated payment data includes a first payment scheme corresponding to payment of a first type of debt owed to one of the plurality of creditors and a second payment scheme corresponding to payment of a second type of debt owed to the same creditor, wherein the first type of debt includes one of: transactions at or above a value threshold, transactions corresponding to a first category of goods or services, and transactions corresponding to a second category of goods or services, and wherein the second type of debt includes a different one of: transactions at or above the value threshold, transactions corresponding to the first category of goods or services, and transactions corresponding to the second category of goods or services; determining, by the computing device, that the client is associated with a first level of service or a second level of service; and generating, by the computing device, a payables profile of the client, wherein the payables profile is generated based on the received payables process data and the determined level of service, wherein when the determined level of service is the first level of service, generating the payables profile of the client comprises storing, by the computing device, the first and second payment schemes included in the payables process data, and wherein when the determined level of service is the second level of service, generating the payables profile of the client comprises analyzing payment program data and modifying the first or second payment scheme based on the analyzed payment program data.