Patent ID: 8732073

Claim:
A method comprising: receiving, by a computer system associated with a financial institution, transaction information indicating a denied transaction request, wherein the denied transaction request is associated with an account of a user at the financial institution; determining, by the computer system, a savings amount based upon the transaction information that indicates the denied transaction request, wherein the savings amount is for transfer to a savings account of a user associated with the transaction account at the financial institution; determining, by the computer system, a plurality of pending debt payments corresponding to a plurality of debts associated with the user; determining, by the computer system, a plurality of penalties corresponding to the plurality of pending debt payments; and determining, by the computer system, a payment hierarchy based upon the savings amount, the plurality of pending debt payments, and the plurality of penalties, wherein the payment hierarchy specifies payment amounts for the plurality of debts associated with the user and minimizes a total cost of the plurality of penalties.