Patent ID: 8392330

Claim:
A computer associated with a financial institution to define a financial institution computer for proving prioritized payments from proceeds of automatic deposits, the financial institution computer comprising: one or more processors; one or more input/output units to communicate with a plurality of depository institution computers adapted to send and withhold at least a portion of a plurality of automatic deposits; one or more non-transitory memories encoded with computer program operable by a financial institution computer to provide prioritize payments from proceeds of a plurality of automatic deposits, the computer program comprising a set of instructions that, when executed by the financial institution computer, cause the financial institution computer to perform the operations of: estimating a total value of prioritize payments associated with one or more of a plurality of first accounts enrolled in prioritized payments with a financial institution, updating one or orate of the plurality or depository institution computers with the estimated total value of the prioritized payments, and authorizing the one or more of the plurality of depository institution computers to withhold from one or more or the plurality of automatic deposits the estimated total value of the prioritized payments when the financial institution computers is unavailable to receive the one or more of the plurality of automatic deposits for real-time processing.