Patent ID: 8392299

Claim:
A computer-implemented method to provide prioritize payments from proceeds of automatic deposits, the method comprising the steps of: creating, by a computer associated with a financial institution to define a financial institution computer, an intermediary account for each of a plurality of enrollees enrolled in prioritize payments with the financial institution, each of the intermediary accounts inaccessible by the plurality of enrollees and adapted to receive funds for a benefit of one or more of the plurality of enrollees so that debits from funds received by the intermediary accounts are adapted to be provided to one or more customer accounts associated with one or more of the plurality of enrollees and one or more preauthorized payments to one or more creditors selected by the one or more of the plurality of enrollees to define one or more select creditors; identifying, by the financial institution computer, one or more identifier from a received incoming ACH file associated with one or more of the plurality enrollees, the one or more identifiers being associated with one or more automatic deposits; and appending, by the financial institution computer, to the received incoming ACH file one or more unfilled preauthorized payments to one or more select creditors to define one or more prioritized payments to thereby create an outgoing ACH file so that the one or more prioritized payments is adapted to be deducted from the one or more automatic deposits associated with the one or more identifier from one or more intermediary accounts associated with the one or more automatic deposits, the outgoing ACH file further being adapted so that a balance of the one or more automatic deposits is adapted to be credited to the one or more customer accounts associated with the one or more of the plurality of enrollees.