Patent ID: 8069113

Claim:
A computer-implemented method comprising: retrieving by one or more computers, a first rule including a first, target aggregate balance for a plurality of first personal financial accounts at a first financial institution; retrieving by the one or more computers, a second rule including a second, target aggregate balance for the plurality of first personal financial accounts at the first financial institution; identifying, by the one or more computers, a conflict between the first rule, which includes the first, target aggregate balance for the plurality of first personal financial accounts at the first financial institution, and the second rule, with the conflict corresponding to when execution of the first rule by the one or more computers will cause a violation of the second rule by the one or more computers; receiving from the user account information, including instructions for the one or more computers to execute the first rule, which includes the first, target aggregate balance for the plurality of first personal financial accounts at the first financial institution; based on the account information, resolving the conflict between the first rule, which includes the first, target aggregate balance for the plurality of first personal financial accounts at the first financial institution, and the second rule; following resolution of the conflict between the first rule, which includes the first, target aggregate balance for the plurality of first personal financial accounts at the first financial institution, and the second rule: calculating an actual aggregate balance for the plurality of first personal financial accounts at the first financial institution; detecting, by the one or more computers, that the actual aggregate balance for the plurality of first personal financial accounts at the first financial institution differs from the first, target aggregate balance included in the first rule; determining an amount of funds to be transferred between the plurality of first personal financial accounts at the first financial institution and one or more second personal financial accounts at a second, different financial institution, the amount of funds to be transferred to maintain the actual aggregate balance for the plurality of first personal financial accounts at the first financial institution in accordance with the first, target aggregate balance included in the first rule; and causing by the one or more computers a transfer of funds in the determined amount from the one or more second personal financial accounts at the second financial institution to the plurality of first personal financial accounts at the first financial institution.