Patent ID: 8744888

Claim:
A computer system comprising: at least one processor and memory; and a resource allocation manager stored in memory and configured to cause the at least one processor to generate a finance-investment plan relative to one or more time intervals while maintaining a cash reserve at a predetermined threshold based on information related to one or more financial activities including asset related activities and liability related activities and store the finance-investment plan in the memory, the resource allocation manager including: an asset handler configured to retrieve information related to one or more assets from an asset database and evaluate accounts receivable patterns for each asset to determine cash surplus ranges within the one or more time intervals; a liability handler configured to retrieve information related to one or more liabilities from a liability database and evaluate accounts payable patterns for each liability to determine cash flow gaps within the one or more time intervals; a risk handler configured to determine and maintain an asset-to-liability ratio related to the determined cash surplus ranges and the determined cash flow gaps during the one or more time intervals; a genetic algorithm handler configured to generate one or more potential cash flow forecasting schemes for each asset and liability based on the accounts receivable patterns for each asset and the accounts payable patterns for each liability while maintaining the cash reserve at the predetermined threshold; and a financial activity optimizer configured to generate the finance-investment plan while maintaining the cash reserve at the predetermined threshold within the one or more time intervals based on the asset-to-liability ratio and the one or more potential cash flow forecasting schemes for each asset and liability.