Patent ID: 8660949

Claim:
A computer system including instructions recorded on a computer-readable medium and executable by at least one processor, the system comprising: a working capital manager configured to cause the at least one processor to schedule payments to be paid for accounts payable based on payments received for accounts receivable relative to one or more time intervals while maintaining a predetermined working capital reserve threshold, wherein the working capital manager includes: an account handler configured to retrieve account information for one or more customers from an accounts receivable database and to retrieve account information for one or more vendors from an accounts payable database; a risk handler configured to calculate accounts receivable patterns for each customer to determine a confidence level in receiving payments from each customer within the one or more time intervals; a genetic algorithm handler configured to generate one or more potential payment schemes for each vendor based on using an advanced payment for a discount and a delayed payment to consider the predetermined working capital reserve threshold; and a payment optimizer configured to generate a payment schedule for accounts payable for each vendor within the one or more time intervals based on the determined confidence level for each customer and the one or more potential payment schemes for each vendor while maintaining the predetermined working capital reserve threshold.