Patent ID: 8275685

Claim:
A computer-implemented method for determining a payment strategy for using at least some funds from a first account to make two or more payments on a second account during a single pay period, the method comprising: accessing a memory via a computing device processor, where said memory comprises computer instructions specifically configured such that when operated by said computing device processor causes said computing device processor to: receive information associated with a transaction history of a first account; determine, via a computing device processor, a trend in a balance of the first account over time based at least partially on the transaction history of the first account; determine that a second account comprises a payment due date and a minimum payment due for a single pay period; determine two or more payments based at least partially on the trend in the balance of the first account, which when added together are at least equal to the minimum payment due to the second account, wherein the determining two or more payments comprises: determining a payment amount for each payment, such that a total payment amount for all of the payments is at least equal to the minimum payment due for the single pay period for the second account; determining a payment date for each payment based at least partially on the trend in the balance, such that each of the payments is made on or before the payment due date; and communicate a payment strategy recommendation to a user, wherein the payment strategy recommendation provides at least one of a recommended number of payments, the payment amount for each payment, and the payment date for each payment.