Patent ID: 8577770

Claim:
A computer-implemented method, the method comprising: identifying two or more separate cash accounts; receiving daily balance data for each of the two or more separate cash accounts based on a cashflow for each of the two or more separate accounts, wherein the daily balance data comprises a cash balance and is based on a period of time comprising three months and wherein further the cashflow into each of the two or more separate accounts approximates a normal distribution; determining a separate minimum cash balance required in each of the two or more separate cash accounts; determining, by an information processor, historical data related to each of the two or more separate cash accounts wherein the historical data is based at least in part on the received daily balance data; determining, by the information processor, statistical characteristics of each of the two or more separate cash accounts based at least in part on the historical data; and determining, by the information processor, separate minimum cash balances required in each of the two or more separate cash accounts based at least in part on the statistical characteristics.