Patent ID: 7792727

Claim:
An apparatus for optimizing funds collected from a deposits account, the apparatus comprising: a transaction-history retriever configured to retrieve a transaction history of deposits made to the deposits account; a deposit/withdrawal calculator configured to calculate an average daily total deposit amount made to the deposits account across a period of weeks; and a deposit-pattern detector configured to: review the transaction history of deposits to determine whether a deposit was made to the deposits account on a selected weekday in each week of the period of weeks; if a deposit was made on the selected weekday in each week, calculate a total deposit amount made on the selected weekday in each week of the period of weeks; identify a smallest total deposit amount that was made on the selected weekday during the period of weeks; compare the smallest total deposit amount to a threshold amount; and if the smallest total deposit amount equals or exceeds the threshold amount, compare the smallest total deposit amount to the average daily total deposit amount.