Determining a payment strategy

A system 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 system comprising:

• a memory device;
• a communication device;
• and
• a processor coupled to the memory device, wherein the processor is configured to:
• receive information associated with a transaction history of a first account;
• determine 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 the 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 of 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.

A computer program product 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 computer program product comprising a computer-readable medium having computer-executable computer program code portions stored therein, wherein the computer-executable program code portions comprise:

• a program code portion configured to receive information associated with a transaction history of a first account;
• a program code portion configured to determine a trend in a balance of the first account over time based at least partially on the transaction history of the first account;
• a program code portion configured to determine that the second account comprises a payment due date and a minimum payment due for a single pay period;
• a program code portion configured to 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
• a program code portion configured to 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.